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$22,267
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$703/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$674/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,720
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$844/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$809/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$986/mo
Today · 4.125%
HK$33,129
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,258/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,681
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,611
−HK$943/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,267/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,589
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,213/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,514 · 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).