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$22,335
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$706/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$25,180
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$676/mo
Today · 4.125%
HK$26,190
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,380/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$847/mo
Today · 4.125%
HK$28,483
baseline
▲ 0.50% · 4.625%
HK$30,216
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,966/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$811/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$988/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$35,252
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$947/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,454
−HK$1,271/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,726
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,926
−HK$1,217/mo
Today · 4.125%
HK$47,143
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,286/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,515 · 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).