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$21,761
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$688/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,209
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$658/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,114
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$825/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$791/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,235
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$962/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$922/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,170
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,238/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,186/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,338 · 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).