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$21,812
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$689/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,916
−HK$660/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,174
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$827/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,118
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$792/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$965/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$925/mo
Today · 4.125%
HK$35,807
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,614/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,261
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,482
−HK$1,241/mo
Today · 4.125%
HK$41,723
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,446/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,677
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,188/mo
Today · 4.125%
HK$46,037
baseline
▲ 0.50% · 4.625%
HK$48,464
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,074/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,540 · 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).