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$21,496
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$679/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$650/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,598
−HK$815/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$29,081
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,697
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,467
−HK$781/mo
Today · 4.125%
HK$30,248
baseline
▲ 0.50% · 4.625%
HK$31,842
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,496/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,031
−HK$951/mo
Today · 4.125%
HK$31,982
baseline
▲ 0.50% · 4.625%
HK$33,928
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,964/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,480
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$911/mo
Today · 4.125%
HK$35,289
baseline
▲ 0.50% · 4.625%
HK$37,149
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,578/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,897
−HK$1,222/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,046
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,171/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$47,763
+HK$2,392/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,708 · 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).