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$22,121
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$699/mo
Today · 4.125%
HK$23,508
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,016/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,609
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$670/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$838/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$803/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,969
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,932
−HK$979/mo
Today · 4.125%
HK$32,911
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,822/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$937/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,258/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,205/mo
Today · 4.125%
HK$46,689
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,378/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,097 · 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).