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$21,823
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$690/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$661/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,002
−HK$827/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,523
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,133
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$793/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$965/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$925/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,242/mo
Today · 4.125%
HK$41,744
baseline
▲ 0.50% · 4.625%
HK$44,284
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,488/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,699
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,871
−HK$1,189/mo
Today · 4.125%
HK$46,060
baseline
▲ 0.50% · 4.625%
HK$48,488
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,120/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,021 · 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).