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$22,161
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,851
−HK$700/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$671/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$840/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$805/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$32,827
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$980/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,978
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$939/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$1,917/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,261/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,579/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,377
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,568
−HK$1,207/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,241
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,875 · 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).