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$21,990
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,674
−HK$695/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,463
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$666/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$834/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$799/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$973/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$932/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,581
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,250/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,560/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,215
−HK$1,198/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,351 · 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).