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$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,937
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$670/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$839/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$803/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$979/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$938/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,816
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,054
−HK$1,259/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,205/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,149
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,060 · 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).