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$22,105
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$699/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,921
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,592
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$670/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,526
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$838/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$803/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$978/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$937/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,790
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,258/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,573/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,204/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,423 · 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).