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$22,711
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$718/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$687/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$862/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$825/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$963/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,881
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,292/mo
Today · 4.125%
HK$43,444
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,644/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,888/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,699
−HK$1,237/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,463
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,004 · 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).