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$21,559
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$682/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,627
−HK$653/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,871
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$818/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$29,166
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,553
−HK$783/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,121
−HK$954/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$914/mo
Today · 4.125%
HK$35,392
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,784/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,806
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,013
−HK$1,226/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,749
+HK$2,510/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,329
−HK$1,175/mo
Today · 4.125%
HK$45,504
baseline
▲ 0.50% · 4.625%
HK$47,902
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$91,008/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,455 · 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).