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$22,731
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$718/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$688/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,125
−HK$862/mo
Today · 4.125%
HK$28,987
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,974/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$826/mo
Today · 4.125%
HK$31,985
baseline
▲ 0.50% · 4.625%
HK$33,670
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,970/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,823
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,813
−HK$1,005/mo
Today · 4.125%
HK$33,818
baseline
▲ 0.50% · 4.625%
HK$35,876
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,636/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,403
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$963/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,282
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,915
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,188
−HK$1,293/mo
Today · 4.125%
HK$43,481
baseline
▲ 0.50% · 4.625%
HK$46,127
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,962/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,738
−HK$1,239/mo
Today · 4.125%
HK$47,977
baseline
▲ 0.50% · 4.625%
HK$50,506
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,954/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,845 · 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).