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$21,426
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,092
−HK$677/mo
Today · 4.125%
HK$22,769
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,538/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,836
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$649/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$812/mo
Today · 4.125%
HK$27,323
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,646/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$779/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,996
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$948/mo
Today · 4.125%
HK$31,877
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,754/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$908/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,027
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,566
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,766
−HK$1,219/mo
Today · 4.125%
HK$40,985
baseline
▲ 0.50% · 4.625%
HK$43,479
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,970/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,905
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,055
−HK$1,168/mo
Today · 4.125%
HK$45,223
baseline
▲ 0.50% · 4.625%
HK$47,607
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,446/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,622 · 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).