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$21,716
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$686/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$658/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$824/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$788/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$960/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$920/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,088
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,235/mo
Today · 4.125%
HK$41,539
baseline
▲ 0.50% · 4.625%
HK$44,067
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,078/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,184/mo
Today · 4.125%
HK$45,835
baseline
▲ 0.50% · 4.625%
HK$48,251
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,670/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,334 · 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).