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$22,407
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$708/mo
Today · 4.125%
HK$23,812
baseline
▲ 0.50% · 4.625%
HK$25,261
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,624/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$678/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,659
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,548/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$849/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,313
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,148/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,913
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$814/mo
Today · 4.125%
HK$31,529
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,058/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,345
−HK$992/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,365
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$950/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,587
−HK$1,275/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,470
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,073
−HK$1,220/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$49,786
+HK$2,493/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,647 · 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).