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$22,446
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$709/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,970
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$680/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,935
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$852/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$815/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,248
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,424
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$993/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,426
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$951/mo
Today · 4.125%
HK$36,847
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,694/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,402
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,277/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,548
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,152
−HK$1,223/mo
Today · 4.125%
HK$47,375
baseline
▲ 0.50% · 4.625%
HK$49,872
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,750/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,344 · 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).