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$22,127
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$699/mo
Today · 4.125%
HK$23,514
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,028/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$670/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$839/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$804/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$979/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$938/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,828
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,259/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,308
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,205/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,164
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,364 · 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).