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$22,718
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$687/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$862/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,762/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$825/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$1,005/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,331
−HK$963/mo
Today · 4.125%
HK$37,294
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,588/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,292/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,237/mo
Today · 4.125%
HK$47,949
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,898/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,272 · 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).