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$21,389
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$676/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$647/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$811/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$946/mo
Today · 4.125%
HK$31,823
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,646/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,314
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$907/mo
Today · 4.125%
HK$35,114
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,228/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,216/mo
Today · 4.125%
HK$40,915
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,830/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,832
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,165/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,029 · 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).