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$22,061
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$697/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$668/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,296
−HK$837/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$801/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$976/mo
Today · 4.125%
HK$32,822
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,644/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,359
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$935/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,709
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,255/mo
Today · 4.125%
HK$42,199
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,398/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,176
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,202/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,017
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,465 · 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).