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$22,264
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$704/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$673/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,717
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$844/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,727/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$809/mo
Today · 4.125%
HK$31,328
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,656/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$985/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$943/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,075
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,267/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,779
−HK$1,212/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,372 · 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).