The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,002
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$600/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,422
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,139
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$575/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,802
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$721/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$691/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$841/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$805/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$32,838
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,203
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,267
−HK$1,081/mo
Today · 4.125%
HK$36,348
baseline
▲ 0.50% · 4.625%
HK$38,560
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,696/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,051
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,071
−HK$1,035/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,221
+HK$2,115/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,996 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).