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$22,418
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$708/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$679/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,672
+HK$1,385/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,901
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$850/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$814/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,207
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$992/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,915
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$950/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$38,741
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,352
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,607
−HK$1,275/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,891
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,095
−HK$1,221/mo
Today · 4.125%
HK$47,316
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,632/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,121 · 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).