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$21,596
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,268
−HK$682/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$654/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,915
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,721
−HK$819/mo
Today · 4.125%
HK$27,540
baseline
▲ 0.50% · 4.625%
HK$29,216
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,080/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,830
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,603
−HK$785/mo
Today · 4.125%
HK$30,388
baseline
▲ 0.50% · 4.625%
HK$31,990
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,776/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$955/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$915/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,872
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,228/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,824
+HK$2,514/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,245
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,177/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$47,984
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,078 · 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).