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$21,910
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$692/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$664/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,110
−HK$831/mo
Today · 4.125%
HK$27,941
baseline
▲ 0.50% · 4.625%
HK$29,641
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,882/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,250
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,034
−HK$796/mo
Today · 4.125%
HK$30,830
baseline
▲ 0.50% · 4.625%
HK$32,455
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,660/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$970/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,125
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$928/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,438
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,665
−HK$1,246/mo
Today · 4.125%
HK$41,911
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,822/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,874
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,051
−HK$1,194/mo
Today · 4.125%
HK$46,245
baseline
▲ 0.50% · 4.625%
HK$48,682
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,490/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,859 · 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).