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$21,463
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$678/mo
Today · 4.125%
HK$22,809
baseline
▲ 0.50% · 4.625%
HK$24,197
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,618/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,877
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,518
−HK$649/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,494
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$814/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$780/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$950/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,876
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,428
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$909/mo
Today · 4.125%
HK$35,234
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,468/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,633
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,221/mo
Today · 4.125%
HK$41,056
baseline
▲ 0.50% · 4.625%
HK$43,554
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,112/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,979
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,132
−HK$1,169/mo
Today · 4.125%
HK$45,301
baseline
▲ 0.50% · 4.625%
HK$47,689
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,602/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,256 · 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).