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$22,284
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$704/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$675/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$845/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,748
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$810/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,008
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$985/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$945/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,111
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,358
−HK$1,268/mo
Today · 4.125%
HK$42,626
baseline
▲ 0.50% · 4.625%
HK$45,220
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,252/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,623
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,214/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,513
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,243 · 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).