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$21,731
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$687/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$658/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,077
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$824/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$789/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,370
−HK$961/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$921/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,116
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,332
−HK$1,237/mo
Today · 4.125%
HK$41,569
baseline
▲ 0.50% · 4.625%
HK$44,098
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,138/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,516
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,184/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,284
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,003 · 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).