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$22,058
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$698/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$667/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$837/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$802/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$976/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,815
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$935/mo
Today · 4.125%
HK$36,212
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,424/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,705
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,940
−HK$1,255/mo
Today · 4.125%
HK$42,195
baseline
▲ 0.50% · 4.625%
HK$44,762
+HK$2,567/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,390/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,171
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,202/mo
Today · 4.125%
HK$46,558
baseline
▲ 0.50% · 4.625%
HK$49,012
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,116/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,361 · 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).