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$19,003
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$601/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$575/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,804
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$721/mo
Today · 4.125%
HK$24,234
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,468/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,369
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$691/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,149
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,604
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$841/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,597
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$805/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$1,081/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,054
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,035/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,115/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,014 · 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).