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$21,935
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$693/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,402
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$664/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,076
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$832/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$796/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,708
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$970/mo
Today · 4.125%
HK$32,634
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,268/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$930/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,248/mo
Today · 4.125%
HK$41,958
baseline
▲ 0.50% · 4.625%
HK$44,511
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,916/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,195/mo
Today · 4.125%
HK$46,297
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,594/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,936 · 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).