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$22,099
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$699/mo
Today · 4.125%
HK$23,485
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,970/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,585
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$669/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$838/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,502
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$803/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$978/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,879
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,419
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,342
−HK$936/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,778
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,015
−HK$1,257/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,845
+HK$2,573/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,253
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,204/mo
Today · 4.125%
HK$46,644
baseline
▲ 0.50% · 4.625%
HK$49,102
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,288/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,142 · 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).