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$22,081
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,768
−HK$698/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$668/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$837/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,875
−HK$977/mo
Today · 4.125%
HK$32,852
baseline
▲ 0.50% · 4.625%
HK$34,851
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,704/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,391
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$936/mo
Today · 4.125%
HK$36,249
baseline
▲ 0.50% · 4.625%
HK$38,160
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,498/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,746
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,982
−HK$1,256/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,570/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,203/mo
Today · 4.125%
HK$46,606
baseline
▲ 0.50% · 4.625%
HK$49,063
+HK$2,457/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$93,212/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,360 · 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).