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$19,390
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$612/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$587/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$736/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$704/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$858/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,199
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$822/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,987
−HK$1,103/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,056/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,098 · 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).