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$21,455
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$649/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$814/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,642
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$779/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,037
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,972
−HK$949/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,416
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$910/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,220/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,538
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,964
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,169/mo
Today · 4.125%
HK$45,285
baseline
▲ 0.50% · 4.625%
HK$47,672
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,570/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,914 · 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).