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$21,531
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$680/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$651/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$817/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$782/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,144
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$953/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$912/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,756
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,225/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,693
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,116
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,173/mo
Today · 4.125%
HK$45,445
baseline
▲ 0.50% · 4.625%
HK$47,841
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,890/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,248 · 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).