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$21,955
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$693/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$665/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$833/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,309
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$798/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,521
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$971/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,194
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$931/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,518
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,748
−HK$1,249/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,552
+HK$2,555/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,964
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,196/mo
Today · 4.125%
HK$46,339
baseline
▲ 0.50% · 4.625%
HK$48,782
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,678/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,818 · 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).