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$22,616
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$715/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$685/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$858/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,596
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,193
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$822/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,501
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$1,000/mo
Today · 4.125%
HK$33,648
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,296/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$959/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,709
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,286/mo
Today · 4.125%
HK$43,262
baseline
▲ 0.50% · 4.625%
HK$45,895
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,524/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,233/mo
Today · 4.125%
HK$47,736
baseline
▲ 0.50% · 4.625%
HK$50,252
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,472/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,834 · 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).