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$21,645
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$684/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$655/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$820/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,282
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$787/mo
Today · 4.125%
HK$30,457
baseline
▲ 0.50% · 4.625%
HK$32,062
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,914/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,303
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$958/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$918/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,960
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,232/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,923
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,506
−HK$1,179/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,223 · 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).