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$21,932
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$693/mo
Today · 4.125%
HK$23,307
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,614/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,399
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$664/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$832/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$797/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$970/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$929/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,478
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,247/mo
Today · 4.125%
HK$41,953
baseline
▲ 0.50% · 4.625%
HK$44,506
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,906/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,096
−HK$1,195/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$48,731
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,821 · 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).