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$21,739
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$687/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$658/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$825/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$789/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,434
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,381
−HK$962/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,311
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,858
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,766
−HK$921/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,568
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,130
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,237/mo
Today · 4.125%
HK$41,584
baseline
▲ 0.50% · 4.625%
HK$44,114
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,168/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,532
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,699
−HK$1,185/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,354 · 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).