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$22,295
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$705/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$25,134
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,468
−HK$675/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,286/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$845/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$30,161
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,763
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,561
−HK$810/mo
Today · 4.125%
HK$31,371
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,742/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,183
−HK$987/mo
Today · 4.125%
HK$33,170
baseline
▲ 0.50% · 4.625%
HK$35,188
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,340/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$945/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,130
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,268/mo
Today · 4.125%
HK$42,647
baseline
▲ 0.50% · 4.625%
HK$45,242
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,294/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,645
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,842
−HK$1,215/mo
Today · 4.125%
HK$47,057
baseline
▲ 0.50% · 4.625%
HK$49,537
+HK$2,480/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,114/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,728 · 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).