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$21,474
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,142
−HK$679/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$650/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$815/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,667
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,436
−HK$780/mo
Today · 4.125%
HK$30,216
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,432/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$950/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,445
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$910/mo
Today · 4.125%
HK$35,252
baseline
▲ 0.50% · 4.625%
HK$37,111
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,504/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,653
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,222/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,576
+HK$2,499/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,001
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,169/mo
Today · 4.125%
HK$45,324
baseline
▲ 0.50% · 4.625%
HK$47,714
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,648/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,735 · 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).