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$22,109
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$699/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$670/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,530
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,356
−HK$838/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,306
−HK$804/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,220/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$978/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,895
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,358
−HK$936/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,796
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,257/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,460
−HK$1,204/mo
Today · 4.125%
HK$46,664
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,328/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,573 · 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).