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$22,177
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$701/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,334
−HK$671/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$841/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,606
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$805/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,048
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$981/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$35,003
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,541
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$940/mo
Today · 4.125%
HK$36,407
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,814/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,262/mo
Today · 4.125%
HK$42,423
baseline
▲ 0.50% · 4.625%
HK$45,004
+HK$2,581/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$84,846/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,410
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,208/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,467/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,582 · 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).