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$22,433
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$709/mo
Today · 4.125%
HK$23,840
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,680/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$679/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,919
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$851/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,740/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$815/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,663/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,383
−HK$992/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,406
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,939
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,876
−HK$951/mo
Today · 4.125%
HK$36,827
baseline
▲ 0.50% · 4.625%
HK$38,768
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,654/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,379
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,635
−HK$1,276/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,522
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,921
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,126
−HK$1,222/mo
Today · 4.125%
HK$47,348
baseline
▲ 0.50% · 4.625%
HK$49,844
+HK$2,496/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,696/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,788 · 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).