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$22,713
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$717/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,268
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$687/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$861/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,135
−HK$825/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,787
−HK$1,005/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,375
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$963/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,252
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,155
−HK$1,292/mo
Today · 4.125%
HK$43,447
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,644/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,894/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,702
−HK$1,238/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,077 · 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).