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$22,681
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$717/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$686/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$860/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$823/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,753
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,741
−HK$1,003/mo
Today · 4.125%
HK$33,744
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,488/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,272
−HK$961/mo
Today · 4.125%
HK$37,233
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,466/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,825
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,095
−HK$1,290/mo
Today · 4.125%
HK$43,385
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,770/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,418
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,636
−HK$1,236/mo
Today · 4.125%
HK$47,872
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,744/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,658 · 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).