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$22,132
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$700/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,282
−HK$670/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,558
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$839/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$804/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$979/mo
Today · 4.125%
HK$32,928
baseline
▲ 0.50% · 4.625%
HK$34,931
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,856/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$938/mo
Today · 4.125%
HK$36,333
baseline
▲ 0.50% · 4.625%
HK$38,248
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,666/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,838
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,077
−HK$1,259/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,912
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,508
−HK$1,205/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,176
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,593 · 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).