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$21,740
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$688/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$658/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$824/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$790/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,203
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,436
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$962/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,860
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$921/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,571
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,236/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,531/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,534
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,184/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,419/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,411 · 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).