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$21,658
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$684/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$655/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,990
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,798
−HK$822/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,300
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$786/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,321
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$958/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$34,183
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$918/mo
Today · 4.125%
HK$35,555
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,110/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,985
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,232/mo
Today · 4.125%
HK$41,429
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,858/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,180/mo
Today · 4.125%
HK$45,713
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,426/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,811 · 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).