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$22,050
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$697/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$668/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,218
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$836/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$801/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$976/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$935/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,690
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,255/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,745
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,339
−HK$1,201/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$48,993
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,992 · 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).