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$21,585
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$682/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,013
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$654/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,708
−HK$818/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,816
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$784/mo
Today · 4.125%
HK$30,373
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,746/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$955/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$915/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,853
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,062
−HK$1,228/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,512/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,224
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,383
−HK$1,176/mo
Today · 4.125%
HK$45,559
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,118/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,610 · 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).