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$21,674
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$685/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$656/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$822/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,321
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$788/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,996/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,287
−HK$959/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$34,208
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,757
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$918/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,013
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,233/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,523/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,181/mo
Today · 4.125%
HK$45,746
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,412/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,492/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,499 · 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).