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$20,525
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$649/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$621/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$778/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$746/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,735
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$908/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,395
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$870/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,167/mo
Today · 4.125%
HK$39,261
baseline
▲ 0.50% · 4.625%
HK$41,650
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,522/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,203
−HK$1,118/mo
Today · 4.125%
HK$43,321
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,642/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,111 · 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).