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$22,022
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$696/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$667/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,184
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$835/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,399
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,187
−HK$800/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,621
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$974/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$933/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,057
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,639
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,872
−HK$1,253/mo
Today · 4.125%
HK$42,125
baseline
▲ 0.50% · 4.625%
HK$44,688
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,250/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,098
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,281
−HK$1,200/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$48,931
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,763 · 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).