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$21,903
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,584
−HK$692/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$663/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$831/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,024
−HK$796/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,664
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,618
−HK$969/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,570
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,113
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$929/mo
Today · 4.125%
HK$35,957
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,914/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,246/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,549/mo
Deposit HK$961K · loan HK$8.64M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,860
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,036
−HK$1,194/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,437/mo
Deposit HK$961K · loan HK$8.64M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,546 · 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).