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$22,181
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,871
−HK$701/mo
Today · 4.125%
HK$23,572
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,144/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,676
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,338
−HK$671/mo
Today · 4.125%
HK$26,009
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,018/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$841/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$806/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$32,856
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,053
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$981/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$940/mo
Today · 4.125%
HK$36,413
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,826/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,925
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,262/mo
Today · 4.125%
HK$42,429
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,582/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$84,858/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,416
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,208/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,468/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,727 · 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).