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$21,894
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$692/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,682
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$663/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,090
−HK$830/mo
Today · 4.125%
HK$27,920
baseline
▲ 0.50% · 4.625%
HK$29,619
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,840/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,228
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$795/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$968/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$928/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$37,836
+HK$1,894/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,635
−HK$1,245/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,842
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,193/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$48,646
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,146 · 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).