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$22,642
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$715/mo
Today · 4.125%
HK$24,062
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,465/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,124/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$685/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,400/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$859/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$823/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$1,001/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$960/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,288/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,948
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,234/mo
Today · 4.125%
HK$47,791
baseline
▲ 0.50% · 4.625%
HK$50,310
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,582/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,980 · 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).