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$21,867
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$691/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$662/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,241
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$830/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,696/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,193
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$794/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,567
−HK$967/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,058
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$926/mo
Today · 4.125%
HK$35,898
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,796/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,361
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,244/mo
Today · 4.125%
HK$41,830
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,660/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,789
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,191/mo
Today · 4.125%
HK$46,155
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,310/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,992 · 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).