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$19,367
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$612/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$586/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$734/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,855
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$704/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$856/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$821/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$1,102/mo
Today · 4.125%
HK$37,047
baseline
▲ 0.50% · 4.625%
HK$39,301
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,094/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,783
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,823
−HK$1,055/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,804 · 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).