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$22,413
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$708/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$679/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$850/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,322
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,922
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$814/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,201
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$992/mo
Today · 4.125%
HK$33,347
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,694/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,909
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$950/mo
Today · 4.125%
HK$36,795
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,590/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,599
−HK$1,275/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,086
−HK$1,221/mo
Today · 4.125%
HK$47,307
baseline
▲ 0.50% · 4.625%
HK$49,801
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,614/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,936 · 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).