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$21,652
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$684/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$656/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,727
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$821/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$786/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,072
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,312
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$958/mo
Today · 4.125%
HK$32,213
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,426/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$917/mo
Today · 4.125%
HK$35,544
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,088/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,185
−HK$1,232/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,937
+HK$2,520/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,180/mo
Today · 4.125%
HK$45,700
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,400/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,532 · 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).