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$22,550
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$712/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,459/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$682/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,394/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$855/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,507
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$819/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,672/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$997/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,592
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,122
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$955/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$38,971
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,853
−HK$1,283/mo
Today · 4.125%
HK$43,136
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,272/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,368
−HK$1,228/mo
Today · 4.125%
HK$47,596
baseline
▲ 0.50% · 4.625%
HK$50,105
+HK$2,509/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,192/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,940 · 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).