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$22,083
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$698/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$669/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$838/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$802/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,712
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$977/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,855
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,317
−HK$936/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,257/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,570/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,221
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,204/mo
Today · 4.125%
HK$46,611
baseline
▲ 0.50% · 4.625%
HK$49,068
+HK$2,457/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$93,222/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,458 · 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).