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$22,504
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$711/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$681/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$854/mo
Today · 4.125%
HK$28,698
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,396/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,848
−HK$817/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$996/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,518
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,049
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$954/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,280/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,272
−HK$1,226/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,893 · 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).