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$21,322
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$674/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,378/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$646/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,317/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,586
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,382
−HK$808/mo
Today · 4.125%
HK$27,190
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,380/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,464
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$775/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,850
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$943/mo
Today · 4.125%
HK$31,722
baseline
▲ 0.50% · 4.625%
HK$33,652
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,444/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,208
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,099
−HK$903/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,213/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,481/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,162/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,372/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,053 · 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).