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$22,422
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,449/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$678/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$850/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$814/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$992/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,923
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$950/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,360
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,616
−HK$1,275/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,501
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,221/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$49,821
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,332 · 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).