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$21,380
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$675/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$647/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,391
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,656
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$810/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,542
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$777/mo
Today · 4.125%
HK$30,084
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,168/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$945/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$905/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,217/mo
Today · 4.125%
HK$40,897
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,488/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,794/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,812
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,164/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,598 · 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).