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$22,705
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$717/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$687/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$861/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$825/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$1,005/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,362
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,311
−HK$962/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,291/mo
Today · 4.125%
HK$43,431
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,862/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,466
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,685
−HK$1,237/mo
Today · 4.125%
HK$47,922
baseline
▲ 0.50% · 4.625%
HK$50,448
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,844/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,709 · 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).