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$22,654
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$715/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,539
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,202
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,878
−HK$686/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$27,964
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$859/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,647
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,243
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,054
−HK$823/mo
Today · 4.125%
HK$31,877
baseline
▲ 0.50% · 4.625%
HK$33,557
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,754/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$1,002/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,755
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,229
−HK$960/mo
Today · 4.125%
HK$37,189
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,378/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,045
−HK$1,289/mo
Today · 4.125%
HK$43,334
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,637/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,668/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,364
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,581
−HK$1,234/mo
Today · 4.125%
HK$47,815
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,630/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,478 · 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).