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$22,757
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$719/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$688/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$863/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$826/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,859
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$1,007/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,443
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,394
−HK$964/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,962
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,236
−HK$1,295/mo
Today · 4.125%
HK$43,531
baseline
▲ 0.50% · 4.625%
HK$46,180
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,062/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,792
−HK$1,240/mo
Today · 4.125%
HK$48,032
baseline
▲ 0.50% · 4.625%
HK$50,564
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,064/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,990 · 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).