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$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$663/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$831/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,271
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$796/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$970/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,606
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$929/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$37,892
+HK$1,898/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,467
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,694
−HK$1,248/mo
Today · 4.125%
HK$41,942
baseline
▲ 0.50% · 4.625%
HK$44,494
+HK$2,552/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$83,884/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,194/mo
Today · 4.125%
HK$46,278
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,440/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$92,556/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,555 · 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).