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$21,662
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$684/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$655/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,994
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$821/mo
Today · 4.125%
HK$27,624
baseline
▲ 0.50% · 4.625%
HK$29,305
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,248/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,918
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$786/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,087
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$958/mo
Today · 4.125%
HK$32,228
baseline
▲ 0.50% · 4.625%
HK$34,189
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,456/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$918/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,232/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,377
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,180/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,131
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,969 · 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).