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$18,989
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$600/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$574/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$720/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$690/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$840/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$805/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,180
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$1,081/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,534
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,035/mo
Today · 4.125%
HK$40,080
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,160/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,828 · 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).