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$21,880
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$691/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$662/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,256
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,073
−HK$830/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,600
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$795/mo
Today · 4.125%
HK$30,788
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,576/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$968/mo
Today · 4.125%
HK$32,553
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,106/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,078
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$927/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$37,812
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,384
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,245/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,400
+HK$2,546/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,193/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,434/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,364/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,543 · 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).