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$22,227
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,919
−HK$702/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,438/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,728
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$673/mo
Today · 4.125%
HK$26,064
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,128/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,503
−HK$842/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$807/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,925
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$984/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$35,082
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,619
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,547
−HK$942/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$1,924/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,264/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,510
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,704
−HK$1,211/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,776 · 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).