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$20,505
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,143
−HK$648/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,812
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$621/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,312
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$778/mo
Today · 4.125%
HK$26,150
baseline
▲ 0.50% · 4.625%
HK$27,741
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,300/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,374
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$744/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,708
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$907/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$869/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,058
−HK$1,166/mo
Today · 4.125%
HK$39,224
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,448/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,062
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,117/mo
Today · 4.125%
HK$43,280
baseline
▲ 0.50% · 4.625%
HK$45,561
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,560/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,778 · 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).