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$21,321
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,984
−HK$674/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,378/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$645/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$808/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$775/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$944/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$904/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$36,846
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,377
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,213/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$43,265
+HK$2,481/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,694
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,839
−HK$1,162/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,373
+HK$2,372/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,010 · 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).