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$21,349
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$675/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$647/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$810/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$775/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,584/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$945/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$905/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,094/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,215/mo
Today · 4.125%
HK$40,838
baseline
▲ 0.50% · 4.625%
HK$43,323
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,676/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,751
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,897
−HK$1,163/mo
Today · 4.125%
HK$45,060
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,376/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,120/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,248 · 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).