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$22,149
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$670/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,405
−HK$840/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,361
−HK$805/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,642/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,008
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,972
−HK$980/mo
Today · 4.125%
HK$32,952
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$2,006/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,904/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,496
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,421
−HK$939/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,276
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,867
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,107
−HK$1,260/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,352
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,542
−HK$1,206/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,212
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,318 · 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).