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$22,100
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,787
−HK$699/mo
Today · 4.125%
HK$23,486
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,972/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,586
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$669/mo
Today · 4.125%
HK$25,914
baseline
▲ 0.50% · 4.625%
HK$27,280
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,828/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$838/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,503
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$803/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,736
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,940
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,902
−HK$978/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,880
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$937/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,192
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,017
−HK$1,257/mo
Today · 4.125%
HK$42,274
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,548/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,254
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,441
−HK$1,204/mo
Today · 4.125%
HK$46,645
baseline
▲ 0.50% · 4.625%
HK$49,104
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,290/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,175 · 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).