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$22,027
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$696/mo
Today · 4.125%
HK$23,409
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,818/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$666/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,191
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$836/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$800/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$974/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,307
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$933/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,253/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,700
+HK$2,564/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,110
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,293
−HK$1,200/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,009 · 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).