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$21,582
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$682/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$653/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$818/mo
Today · 4.125%
HK$27,522
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,044/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$784/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$954/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$915/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,847
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,228/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,796
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,217
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,176/mo
Today · 4.125%
HK$45,552
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,104/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,469 · 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).