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$21,941
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,624
−HK$693/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$664/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,149
−HK$832/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$797/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,673
−HK$971/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,630
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,173
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$930/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,494
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,248/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,115
−HK$1,196/mo
Today · 4.125%
HK$46,311
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,622/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,229 · 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).