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$22,140
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$699/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$670/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,369/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$839/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$805/mo
Today · 4.125%
HK$31,154
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,308/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,960
−HK$980/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$938/mo
Today · 4.125%
HK$36,346
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,692/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,259/mo
Today · 4.125%
HK$42,351
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,702/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,206/mo
Today · 4.125%
HK$46,730
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,460/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,948 · 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).