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$21,648
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$684/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,084
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$655/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$821/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,287
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,676
−HK$786/mo
Today · 4.125%
HK$30,462
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,924/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,308
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$957/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,717
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,621
−HK$918/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,179
−HK$1,232/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,520/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,513
−HK$1,180/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,387 · 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).