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$21,414
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$676/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$649/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,433
+HK$1,323/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,696
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$812/mo
Today · 4.125%
HK$27,308
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,616/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,587
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$777/mo
Today · 4.125%
HK$30,131
baseline
▲ 0.50% · 4.625%
HK$31,720
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,262/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$947/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$907/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,006
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,545
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,744
−HK$1,218/mo
Today · 4.125%
HK$40,962
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,924/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,880
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,167/mo
Today · 4.125%
HK$45,197
baseline
▲ 0.50% · 4.625%
HK$47,580
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,394/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,090 · 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).