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$22,138
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$699/mo
Today · 4.125%
HK$23,526
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,052/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,628
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$670/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$839/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,347
−HK$804/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,993
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,957
−HK$980/mo
Today · 4.125%
HK$32,937
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,874/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$938/mo
Today · 4.125%
HK$36,342
baseline
▲ 0.50% · 4.625%
HK$38,258
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,684/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,848
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,088
−HK$1,259/mo
Today · 4.125%
HK$42,347
baseline
▲ 0.50% · 4.625%
HK$44,924
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,694/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,331
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,520
−HK$1,206/mo
Today · 4.125%
HK$46,726
baseline
▲ 0.50% · 4.625%
HK$49,189
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,452/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,855 · 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).