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$20,503
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$648/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$23,115
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$621/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$778/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$744/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,704
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$907/mo
Today · 4.125%
HK$30,504
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,008/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$869/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,166/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,117/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,748 · 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).