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$22,529
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$712/mo
Today · 4.125%
HK$23,942
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,884/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,063
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$682/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$27,810
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$854/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$818/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$996/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,558
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,089
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$954/mo
Today · 4.125%
HK$36,984
baseline
▲ 0.50% · 4.625%
HK$38,934
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,968/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,281/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,717
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,114
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,324
−HK$1,227/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,058
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,003 · 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).