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$21,335
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$674/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$645/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$809/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,863
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$775/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,869
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$944/mo
Today · 4.125%
HK$31,742
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,484/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,229
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$904/mo
Today · 4.125%
HK$35,024
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,048/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,403
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,598
−HK$1,213/mo
Today · 4.125%
HK$40,811
baseline
▲ 0.50% · 4.625%
HK$43,295
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,622/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,723
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,869
−HK$1,162/mo
Today · 4.125%
HK$45,031
baseline
▲ 0.50% · 4.625%
HK$47,405
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,062/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,646 · 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).