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$21,845
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$691/mo
Today · 4.125%
HK$23,215
baseline
▲ 0.50% · 4.625%
HK$24,627
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,430/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,954
−HK$661/mo
Today · 4.125%
HK$25,615
baseline
▲ 0.50% · 4.625%
HK$26,965
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,230/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,029
−HK$829/mo
Today · 4.125%
HK$27,858
baseline
▲ 0.50% · 4.625%
HK$29,553
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,716/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,162
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,945
−HK$793/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,358
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,583
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$966/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,478
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,023
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$926/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,321
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,242/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$44,329
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,190/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,537
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,996 · 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).