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$22,384
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$708/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,902
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$677/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,631
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$849/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$813/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,312
−HK$991/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,329
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,863
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,798
−HK$948/mo
Today · 4.125%
HK$36,746
baseline
▲ 0.50% · 4.625%
HK$38,683
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,492/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,291
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,544
−HK$1,274/mo
Today · 4.125%
HK$42,818
baseline
▲ 0.50% · 4.625%
HK$45,423
+HK$2,605/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$85,636/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,823
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,026
−HK$1,219/mo
Today · 4.125%
HK$47,245
baseline
▲ 0.50% · 4.625%
HK$49,735
+HK$2,490/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$94,490/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,642 · 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).