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$21,397
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$676/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,804
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$648/mo
Today · 4.125%
HK$25,090
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,180/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$811/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,564
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$778/mo
Today · 4.125%
HK$30,108
baseline
▲ 0.50% · 4.625%
HK$31,695
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,216/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$947/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,771
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,325
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,219
−HK$906/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,217/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,491/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,165/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,542
+HK$2,381/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,344 · 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).