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$22,332
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$705/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$676/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,798
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,632
−HK$847/mo
Today · 4.125%
HK$28,479
baseline
▲ 0.50% · 4.625%
HK$30,212
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,958/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,813
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$811/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$988/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$946/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,198
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,270/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$45,318
+HK$2,600/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,919
−HK$1,217/mo
Today · 4.125%
HK$47,136
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,272/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,365 · 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).