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$21,390
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$676/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$648/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,404
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$811/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,556
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,321
−HK$777/mo
Today · 4.125%
HK$30,098
baseline
▲ 0.50% · 4.625%
HK$31,685
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,196/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,946
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$946/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,760
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,315
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$907/mo
Today · 4.125%
HK$35,115
baseline
▲ 0.50% · 4.625%
HK$36,966
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,230/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,217/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,833
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,165/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,056 · 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).