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$22,561
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,263
−HK$713/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,099
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$682/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$856/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,119
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$820/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,586
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$998/mo
Today · 4.125%
HK$33,567
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,134/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,082
−HK$956/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$38,990
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,283/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,229/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,427 · 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).