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$21,407
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$676/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$647/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,324/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$812/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,578
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$778/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$947/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,787
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$907/mo
Today · 4.125%
HK$35,142
baseline
▲ 0.50% · 4.625%
HK$36,994
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,284/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,218/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,867
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,016
−HK$1,167/mo
Today · 4.125%
HK$45,183
baseline
▲ 0.50% · 4.625%
HK$47,564
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,366/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,789 · 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).