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$22,687
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$717/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$687/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$860/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$824/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$1,004/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$961/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,836
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,291/mo
Today · 4.125%
HK$43,397
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,794/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,429
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,648
−HK$1,236/mo
Today · 4.125%
HK$47,884
baseline
▲ 0.50% · 4.625%
HK$50,408
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,768/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,914 · 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).