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$18,239
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,806
−HK$576/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$552/mo
Today · 4.125%
HK$21,387
baseline
▲ 0.50% · 4.625%
HK$22,514
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,774/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$692/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$662/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$806/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$773/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,851
−HK$1,037/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,523
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$994/mo
Today · 4.125%
HK$38,496
baseline
▲ 0.50% · 4.625%
HK$40,525
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,992/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,957 · 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).