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$22,325
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$705/mo
Today · 4.125%
HK$23,725
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,450/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$675/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$847/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,804
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$811/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$988/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$35,236
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$946/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,185
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,270/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,216/mo
Today · 4.125%
HK$47,121
baseline
▲ 0.50% · 4.625%
HK$49,605
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,242/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,061 · 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).