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$21,499
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$679/mo
Today · 4.125%
HK$22,847
baseline
▲ 0.50% · 4.625%
HK$24,237
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,694/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,559
−HK$651/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$816/mo
Today · 4.125%
HK$27,417
baseline
▲ 0.50% · 4.625%
HK$29,085
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,834/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$781/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$951/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$911/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,902
−HK$1,223/mo
Today · 4.125%
HK$41,125
baseline
▲ 0.50% · 4.625%
HK$43,627
+HK$2,502/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,250/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,206
−HK$1,172/mo
Today · 4.125%
HK$45,378
baseline
▲ 0.50% · 4.625%
HK$47,769
+HK$2,391/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,756/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,838 · 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).