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$22,287
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$705/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$675/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$846/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$809/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$986/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$944/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,267/mo
Today · 4.125%
HK$42,632
baseline
▲ 0.50% · 4.625%
HK$45,226
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,264/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,629
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,826
−HK$1,215/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,520
+HK$2,479/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,392 · 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).