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$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$716/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,464/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$686/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,399/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,020
−HK$859/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$822/mo
Today · 4.125%
HK$31,865
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,730/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,704
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$1,002/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$959/mo
Today · 4.125%
HK$37,176
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,352/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,288/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,348
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,234/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,134 · 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).