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$21,954
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$694/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$664/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,345
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$832/mo
Today · 4.125%
HK$27,997
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,994/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,309
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$797/mo
Today · 4.125%
HK$30,892
baseline
▲ 0.50% · 4.625%
HK$32,520
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,784/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$971/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,110
−HK$931/mo
Today · 4.125%
HK$36,041
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,082/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,518
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,747
−HK$1,249/mo
Today · 4.125%
HK$41,996
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,555/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$83,992/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,142
−HK$1,196/mo
Today · 4.125%
HK$46,338
baseline
▲ 0.50% · 4.625%
HK$48,781
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,676/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,796 · 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).