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$22,728
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$719/mo
Today · 4.125%
HK$24,154
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,308/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,285
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$688/mo
Today · 4.125%
HK$26,651
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,302/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$862/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,748
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$825/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,809
−HK$1,006/mo
Today · 4.125%
HK$33,815
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,630/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,399
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$963/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,293/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$46,122
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,513
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,734
−HK$1,238/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,500
+HK$2,528/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,741 · 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).