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$22,641
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,346
−HK$715/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$685/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,400/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$858/mo
Today · 4.125%
HK$28,873
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,746/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$822/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$1,002/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,264
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$960/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,755
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,022
−HK$1,288/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,946
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,339
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,555
−HK$1,234/mo
Today · 4.125%
HK$47,789
baseline
▲ 0.50% · 4.625%
HK$50,308
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,578/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,933 · 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).