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$22,677
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$716/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$686/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$860/mo
Today · 4.125%
HK$28,919
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,838/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$823/mo
Today · 4.125%
HK$31,909
baseline
▲ 0.50% · 4.625%
HK$33,591
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,818/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,748
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$1,003/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$961/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,819
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,290/mo
Today · 4.125%
HK$43,379
baseline
▲ 0.50% · 4.625%
HK$46,018
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,758/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,411
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,236/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,523/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,500 · 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).