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$21,682
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$686/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$656/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,764
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$822/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$787/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$959/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,769
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,675
−HK$919/mo
Today · 4.125%
HK$35,594
baseline
▲ 0.50% · 4.625%
HK$37,470
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,188/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,028
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,233/mo
Today · 4.125%
HK$41,475
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,950/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,418
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,582
−HK$1,182/mo
Today · 4.125%
HK$45,764
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,528/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,860 · 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).