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$21,651
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$685/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,400/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$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,086
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$656/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$821/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$786/mo
Today · 4.125%
HK$30,465
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,930/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$958/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,721
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$918/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,232/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,520/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,356
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,180/mo
Today · 4.125%
HK$45,698
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,409/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$91,396/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,496 · 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).