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$19,369
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$612/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$586/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$735/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$704/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,961
−HK$857/mo
Today · 4.125%
HK$28,818
baseline
▲ 0.50% · 4.625%
HK$30,571
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,636/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,977
−HK$820/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,865
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,949
−HK$1,102/mo
Today · 4.125%
HK$37,051
baseline
▲ 0.50% · 4.625%
HK$39,306
+HK$2,255/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,102/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,055/mo
Today · 4.125%
HK$40,882
baseline
▲ 0.50% · 4.625%
HK$43,037
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,764/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,832 · 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).