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$21,994
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,678
−HK$695/mo
Today · 4.125%
HK$23,373
baseline
▲ 0.50% · 4.625%
HK$24,796
+HK$1,423/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,746/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,468
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$666/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,214
−HK$834/mo
Today · 4.125%
HK$28,048
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,096/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,362
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$799/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$973/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,251/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,198/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,447/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,547 · 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).