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$21,569
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$681/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,995
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,639
−HK$653/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,625
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$818/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$784/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,196
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$954/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$914/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,032
−HK$1,227/mo
Today · 4.125%
HK$41,259
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,518/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,191
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,175/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,896 · 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).