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$22,543
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$712/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$682/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,394/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$855/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$819/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,561
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$997/mo
Today · 4.125%
HK$33,540
baseline
▲ 0.50% · 4.625%
HK$35,581
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,080/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,053
−HK$955/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$38,959
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,840
−HK$1,283/mo
Today · 4.125%
HK$43,123
baseline
▲ 0.50% · 4.625%
HK$45,747
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,246/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,143
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,354
−HK$1,228/mo
Today · 4.125%
HK$47,582
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,164/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,637 · 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).