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$22,268
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,961
−HK$703/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,773
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$674/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,721
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$844/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,525
−HK$808/mo
Today · 4.125%
HK$31,333
baseline
▲ 0.50% · 4.625%
HK$32,985
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,666/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,175
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$985/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$944/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,082
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,267/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$45,188
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,213/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,553 · 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).