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$22,363
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$707/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$677/mo
Today · 4.125%
HK$26,223
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,446/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,835
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$848/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$812/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$989/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$948/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,505
−HK$1,272/mo
Today · 4.125%
HK$42,777
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,554/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,781
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,982
−HK$1,219/mo
Today · 4.125%
HK$47,201
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,402/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,716 · 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).