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$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$689/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,302
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$862/mo
Today · 4.125%
HK$29,014
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,028/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$827/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,702
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$1,006/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,386
−HK$964/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,319
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,953
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,227
−HK$1,295/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,560
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,782
−HK$1,240/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,553
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,780 · 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).