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$22,233
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$703/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,437/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$673/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,374/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$843/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,681
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$808/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,570/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,095
−HK$984/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$2,012/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$942/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,265/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$45,117
+HK$2,587/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,522
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,211/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,401
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,038 · 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).