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$21,354
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$674/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,394
−HK$646/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,360
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$810/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$776/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$945/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,259
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$905/mo
Today · 4.125%
HK$35,056
baseline
▲ 0.50% · 4.625%
HK$36,904
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,112/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,215/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,486/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,762
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,163/mo
Today · 4.125%
HK$45,072
baseline
▲ 0.50% · 4.625%
HK$47,448
+HK$2,376/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,144/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,489 · 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).