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$20,540
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$650/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$622/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,649
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$746/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,757
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$909/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$870/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,168/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,682
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,235
−HK$1,119/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,639
+HK$2,285/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,798 · 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).