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$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$684/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$655/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$786/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$956/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$917/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,921
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,230/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,299
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,178/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,264 · 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).