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$22,242
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$703/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$25,075
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,744
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$673/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$843/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$808/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$984/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,571
−HK$942/mo
Today · 4.125%
HK$36,513
baseline
▲ 0.50% · 4.625%
HK$38,438
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,026/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,036
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,265/mo
Today · 4.125%
HK$42,546
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,092/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,734
−HK$1,212/mo
Today · 4.125%
HK$46,946
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,892/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,424 · 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).