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$22,009
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$696/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$666/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,411
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$835/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,382
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$799/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$974/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,992/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$932/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,616
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,252/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,072
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,254
−HK$1,199/mo
Today · 4.125%
HK$46,453
baseline
▲ 0.50% · 4.625%
HK$48,902
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,906/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,191 · 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).