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$18,241
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$576/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$552/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$691/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$663/mo
Today · 4.125%
HK$25,667
baseline
▲ 0.50% · 4.625%
HK$27,020
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,334/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$807/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$773/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,038/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$994/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,982 · 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).