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$21,813
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$689/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$660/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$827/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,509
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$793/mo
Today · 4.125%
HK$30,693
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,386/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$966/mo
Today · 4.125%
HK$32,453
baseline
▲ 0.50% · 4.625%
HK$34,427
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,906/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,884
−HK$924/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,484
−HK$1,241/mo
Today · 4.125%
HK$41,725
baseline
▲ 0.50% · 4.625%
HK$44,264
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,450/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,851
−HK$1,188/mo
Today · 4.125%
HK$46,039
baseline
▲ 0.50% · 4.625%
HK$48,466
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,078/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,584 · 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).