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$21,591
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$683/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$653/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,335/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$819/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$784/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$31,982
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$956/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$915/mo
Today · 4.125%
HK$35,444
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,888/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,229/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,235
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,176/mo
Today · 4.125%
HK$45,571
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,142/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,860 · 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).