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$22,255
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$704/mo
Today · 4.125%
HK$23,651
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,302/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$673/mo
Today · 4.125%
HK$26,096
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,192/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$844/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$808/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$985/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$35,126
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$943/mo
Today · 4.125%
HK$36,535
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,070/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,059
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,305
−HK$1,266/mo
Today · 4.125%
HK$42,571
baseline
▲ 0.50% · 4.625%
HK$45,162
+HK$2,591/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,142/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,565
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,761
−HK$1,212/mo
Today · 4.125%
HK$46,973
baseline
▲ 0.50% · 4.625%
HK$49,449
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,946/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,992 · 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).