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$22,389
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$708/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$678/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,867
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,702
−HK$849/mo
Today · 4.125%
HK$28,551
baseline
▲ 0.50% · 4.625%
HK$30,289
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,102/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,889
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,691
−HK$813/mo
Today · 4.125%
HK$31,504
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,008/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$991/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,337
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$948/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,692
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,273/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,433
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,036
−HK$1,220/mo
Today · 4.125%
HK$47,256
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,490/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,512/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,859 · 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).