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$22,354
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$707/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,201
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,869
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,536
−HK$676/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$848/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$812/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,269
−HK$989/mo
Today · 4.125%
HK$33,258
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,516/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,816
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$947/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,237
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,271/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,362
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,763
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,218/mo
Today · 4.125%
HK$47,182
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,364/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,327 · 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).