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$22,732
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$718/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$688/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,278
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,127
−HK$862/mo
Today · 4.125%
HK$28,989
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,978/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,347
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,160
−HK$826/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,672
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$1,006/mo
Today · 4.125%
HK$33,820
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,640/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,404
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,354
−HK$963/mo
Today · 4.125%
HK$37,317
baseline
▲ 0.50% · 4.625%
HK$39,284
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,634/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,293/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,238/mo
Today · 4.125%
HK$47,979
baseline
▲ 0.50% · 4.625%
HK$50,508
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,958/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,894 · 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).