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$22,170
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$701/mo
Today · 4.125%
HK$23,560
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,120/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$671/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$841/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,992
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$805/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$981/mo
Today · 4.125%
HK$32,984
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,968/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$939/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,262/mo
Today · 4.125%
HK$42,408
baseline
▲ 0.50% · 4.625%
HK$44,988
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,816/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,208/mo
Today · 4.125%
HK$46,793
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,586/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,238 · 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).