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$21,514
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$680/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$652/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$816/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$29,106
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$781/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$952/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,957
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$912/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,180
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,726
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,223/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,659
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,082
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,238
−HK$1,172/mo
Today · 4.125%
HK$45,410
baseline
▲ 0.50% · 4.625%
HK$47,803
+HK$2,393/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,820/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,508 · 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).