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$18,985
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$600/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$575/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$720/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$689/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$840/mo
Today · 4.125%
HK$28,246
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,492/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,569
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$805/mo
Today · 4.125%
HK$31,167
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,334/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,173
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,236
−HK$1,080/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,526
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,017
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,037
−HK$1,034/mo
Today · 4.125%
HK$40,071
baseline
▲ 0.50% · 4.625%
HK$42,184
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,142/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,777 · 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).