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$22,041
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$697/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,520
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,178
−HK$667/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,207
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$835/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$801/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,649
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,857
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$975/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,328
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$934/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,090
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,673
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,254/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,565/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,201/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$48,973
+HK$2,452/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,588 · 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).