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$22,657
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$716/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$686/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$859/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,246
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$822/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,681/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,760/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,719
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$1,002/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$960/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,388/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,782
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,289/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,637/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,235/mo
Today · 4.125%
HK$47,821
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,520/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,642/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,601 · 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).