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$21,291
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$673/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,686
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$644/mo
Today · 4.125%
HK$24,965
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,930/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,344
−HK$807/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,423
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$773/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,580/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,807
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$942/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$902/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,323
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,211/mo
Today · 4.125%
HK$40,726
baseline
▲ 0.50% · 4.625%
HK$43,205
+HK$2,479/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,452/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,634
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,160/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,306
+HK$2,368/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,698 · 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).