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$21,871
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$691/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,657
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$662/mo
Today · 4.125%
HK$25,646
baseline
▲ 0.50% · 4.625%
HK$26,998
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,292/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$829/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,198
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,981
−HK$794/mo
Today · 4.125%
HK$30,775
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,550/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$968/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,978
−HK$926/mo
Today · 4.125%
HK$35,904
baseline
▲ 0.50% · 4.625%
HK$37,797
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,808/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,368
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,593
−HK$1,244/mo
Today · 4.125%
HK$41,837
baseline
▲ 0.50% · 4.625%
HK$44,383
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,674/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,797
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,192/mo
Today · 4.125%
HK$46,163
baseline
▲ 0.50% · 4.625%
HK$48,596
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,326/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,156 · 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).