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$22,075
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$698/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,558
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$669/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$837/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$802/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$977/mo
Today · 4.125%
HK$32,843
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,686/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$936/mo
Today · 4.125%
HK$36,239
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,478/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,256/mo
Today · 4.125%
HK$42,226
baseline
▲ 0.50% · 4.625%
HK$44,795
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,452/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,390
−HK$1,202/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,048
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,080 · 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).