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$22,047
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$697/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$668/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$836/mo
Today · 4.125%
HK$28,115
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,230/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,432
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,221
−HK$801/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,825
−HK$976/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,258
−HK$934/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,684
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,918
−HK$1,254/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,148
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,332
−HK$1,201/mo
Today · 4.125%
HK$46,533
baseline
▲ 0.50% · 4.625%
HK$48,986
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,066/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,849 · 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).