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$22,256
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$704/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$673/mo
Today · 4.125%
HK$26,097
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,194/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,707
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,538
−HK$844/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$30,109
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,711
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$809/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$32,967
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,158
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$984/mo
Today · 4.125%
HK$33,112
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,224/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,663
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,593
−HK$943/mo
Today · 4.125%
HK$36,536
baseline
▲ 0.50% · 4.625%
HK$38,462
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,072/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,266/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$45,163
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,567
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,762
−HK$1,213/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,950/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,029 · 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).