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$22,373
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$707/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,446/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$677/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$849/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$813/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,322
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$990/mo
Today · 4.125%
HK$33,286
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,572/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,845
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,780
−HK$948/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,664
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,271
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,273/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,801
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,219/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,148 · 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).