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$22,216
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,907
−HK$702/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,378
−HK$672/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$842/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,658
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$807/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,102
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$983/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$942/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,989
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,264/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$45,082
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,487
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,680
−HK$1,211/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,279 · 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).