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$19,003
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$600/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$575/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,803
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$721/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$690/mo
Today · 4.125%
HK$26,739
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,478/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,604
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$841/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,992
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$805/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,205
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,269
−HK$1,081/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,035/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,007 · 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).