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$22,080
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,767
−HK$697/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$669/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$837/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$802/mo
Today · 4.125%
HK$31,069
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,138/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$977/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$936/mo
Today · 4.125%
HK$36,247
baseline
▲ 0.50% · 4.625%
HK$38,158
+HK$1,911/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,494/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,256/mo
Today · 4.125%
HK$42,236
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,472/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,203/mo
Today · 4.125%
HK$46,603
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,457/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,206/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,306 · 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).