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$20,526
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$649/mo
Today · 4.125%
HK$21,813
baseline
▲ 0.50% · 4.625%
HK$23,140
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,626/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$622/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,337
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$779/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$745/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$908/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,969
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$870/mo
Today · 4.125%
HK$33,696
baseline
▲ 0.50% · 4.625%
HK$35,472
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,392/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,168/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,205
−HK$1,119/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,607
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,160 · 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).