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$21,590
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$682/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$654/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,651
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$819/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$29,208
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$784/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$955/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$914/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,071
−HK$1,229/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,234
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,394
−HK$1,176/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$47,972
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,839 · 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).