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$21,782
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$689/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$659/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$826/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,079
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$792/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$964/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$923/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,207
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,427
−HK$1,239/mo
Today · 4.125%
HK$41,666
baseline
▲ 0.50% · 4.625%
HK$44,201
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,332/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,788
−HK$1,186/mo
Today · 4.125%
HK$45,974
baseline
▲ 0.50% · 4.625%
HK$48,398
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,948/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,237 · 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).