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$19,362
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$612/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,540
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$586/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,235
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$735/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$703/mo
Today · 4.125%
HK$27,245
baseline
▲ 0.50% · 4.625%
HK$28,681
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,490/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,950
−HK$857/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,560
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$821/mo
Today · 4.125%
HK$31,786
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,572/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,852
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$1,102/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,772
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,055/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,738 · 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).