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$22,744
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$719/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$688/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$863/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,769
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,363
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$826/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$1,006/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,897
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,423
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$964/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,212
−HK$1,294/mo
Today · 4.125%
HK$43,506
baseline
▲ 0.50% · 4.625%
HK$46,153
+HK$2,647/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$87,012/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,544
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,240/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,530/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,421 · 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).