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$21,413
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$677/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,384/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$648/mo
Today · 4.125%
HK$25,109
baseline
▲ 0.50% · 4.625%
HK$26,432
+HK$1,323/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,218/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$812/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$777/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,911
−HK$947/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$907/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,218/mo
Today · 4.125%
HK$40,960
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,920/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,167/mo
Today · 4.125%
HK$45,196
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,392/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,057 · 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).