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$22,510
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,210
−HK$712/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$681/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$853/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$818/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$996/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$954/mo
Today · 4.125%
HK$36,954
baseline
▲ 0.50% · 4.625%
HK$38,901
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,908/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,280/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,227/mo
Today · 4.125%
HK$47,512
baseline
▲ 0.50% · 4.625%
HK$50,016
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,024/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,183 · 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).