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$21,638
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$684/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$654/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,338/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,773
−HK$821/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$786/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$958/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,701
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$916/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,394
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,948
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,160
−HK$1,231/mo
Today · 4.125%
HK$41,391
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,782/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,492
−HK$1,178/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,923 · 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).