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$22,246
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$703/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,412
−HK$674/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,461
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,695
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$843/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$30,096
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,495
−HK$808/mo
Today · 4.125%
HK$31,303
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,606/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$985/mo
Today · 4.125%
HK$33,098
baseline
▲ 0.50% · 4.625%
HK$35,112
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,196/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$943/mo
Today · 4.125%
HK$36,520
baseline
▲ 0.50% · 4.625%
HK$38,445
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,040/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,043
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,289
−HK$1,265/mo
Today · 4.125%
HK$42,554
baseline
▲ 0.50% · 4.625%
HK$45,143
+HK$2,589/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,108/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,547
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,742
−HK$1,212/mo
Today · 4.125%
HK$46,954
baseline
▲ 0.50% · 4.625%
HK$49,429
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,908/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,597 · 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).