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$22,342
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,037
−HK$706/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$677/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,579
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$847/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$811/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,278
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,251
−HK$989/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$35,262
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,797
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$947/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,271/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$45,337
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,739
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,939
−HK$1,217/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,789 · 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).