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$22,650
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$716/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$686/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,025
−HK$859/mo
Today · 4.125%
HK$28,884
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,768/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,048
−HK$823/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,696
−HK$1,002/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,749
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,277
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,223
−HK$960/mo
Today · 4.125%
HK$37,183
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,366/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,038
−HK$1,288/mo
Today · 4.125%
HK$43,326
baseline
▲ 0.50% · 4.625%
HK$45,962
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,652/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,356
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,572
−HK$1,234/mo
Today · 4.125%
HK$47,806
baseline
▲ 0.50% · 4.625%
HK$50,326
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,612/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,300 · 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).