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$22,754
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$720/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,652
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,313
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$689/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$863/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$826/mo
Today · 4.125%
HK$32,017
baseline
▲ 0.50% · 4.625%
HK$33,705
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,034/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,855
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$1,007/mo
Today · 4.125%
HK$33,853
baseline
▲ 0.50% · 4.625%
HK$35,913
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,706/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,439
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,389
−HK$964/mo
Today · 4.125%
HK$37,353
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,706/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,957
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,231
−HK$1,294/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,564
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,239/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,856 · 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).