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$22,118
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$699/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$670/mo
Today · 4.125%
HK$25,936
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,872/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,368
−HK$839/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,528
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$803/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$979/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$937/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,813
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,052
−HK$1,258/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,292
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,480
−HK$1,205/mo
Today · 4.125%
HK$46,685
baseline
▲ 0.50% · 4.625%
HK$49,146
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,370/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,998 · 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).