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$22,230
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$703/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$673/mo
Today · 4.125%
HK$26,067
baseline
▲ 0.50% · 4.625%
HK$27,441
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,134/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,676
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$843/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,677
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$807/mo
Today · 4.125%
HK$31,280
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,560/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,122
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$984/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,623
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$942/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,417
+HK$1,924/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,264/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,588/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,515
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,211/mo
Today · 4.125%
HK$46,920
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,840/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,888 · 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).