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$18,992
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$600/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,229/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$574/mo
Today · 4.125%
HK$22,270
baseline
▲ 0.50% · 4.625%
HK$23,444
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,540/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$720/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$690/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$840/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,374
−HK$805/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,250
−HK$1,080/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,035/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,874 · 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).