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$22,071
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$697/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$668/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,485
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$837/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$801/mo
Today · 4.125%
HK$31,056
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,112/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$976/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,375
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$936/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,728
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,255/mo
Today · 4.125%
HK$42,219
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,438/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,382
−HK$1,203/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,040
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,919 · 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).