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$21,444
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$678/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$649/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$814/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$779/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$948/mo
Today · 4.125%
HK$31,904
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,808/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$908/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,599
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,800
−HK$1,220/mo
Today · 4.125%
HK$41,020
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,040/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,941
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,093
−HK$1,168/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$47,647
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,424 · 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).