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$21,628
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$683/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$655/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,954
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$820/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,679/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$785/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,221
−HK$957/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$34,136
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,686
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$916/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,931
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,230/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,889
+HK$2,517/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,178/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,497 · 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).