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$21,648
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$684/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$655/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,722
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$821/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,286
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$786/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$957/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$34,167
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$918/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,411
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,966
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,232/mo
Today · 4.125%
HK$41,410
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,820/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,179/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,100
+HK$2,409/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,359 · 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).