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$22,633
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$715/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,179
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$685/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$27,938
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,159
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,004
−HK$858/mo
Today · 4.125%
HK$28,862
baseline
▲ 0.50% · 4.625%
HK$30,619
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,724/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$822/mo
Today · 4.125%
HK$31,847
baseline
▲ 0.50% · 4.625%
HK$33,526
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,694/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$1,001/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,722
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,250
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$959/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,310/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,288/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,634/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,233/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,555 · 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).