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$22,737
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$718/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$688/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$862/mo
Today · 4.125%
HK$28,995
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,990/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$826/mo
Today · 4.125%
HK$31,993
baseline
▲ 0.50% · 4.625%
HK$33,679
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,986/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,831
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$1,006/mo
Today · 4.125%
HK$33,827
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,654/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$963/mo
Today · 4.125%
HK$37,325
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,650/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,926
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,199
−HK$1,293/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$46,139
+HK$2,647/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,530
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,751
−HK$1,238/mo
Today · 4.125%
HK$47,989
baseline
▲ 0.50% · 4.625%
HK$50,519
+HK$2,530/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,978/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,107 · 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).