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$19,372
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$612/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$587/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,247
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$734/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$704/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,121
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$857/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,172
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$821/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,478
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$2,254/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,833
−HK$1,055/mo
Today · 4.125%
HK$40,888
baseline
▲ 0.50% · 4.625%
HK$43,044
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,776/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,869 · 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).