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$21,941
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$694/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$664/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$832/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$797/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$971/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,089
−HK$929/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$37,917
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,248/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,523
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,195/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$48,750
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,201 · 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).