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$21,580
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$682/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,328
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$653/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$818/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$784/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,211
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$955/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,511
−HK$915/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,227/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,175/mo
Today · 4.125%
HK$45,547
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,094/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,369 · 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).