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$21,454
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$678/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$649/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$814/mo
Today · 4.125%
HK$27,360
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,720/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$780/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$950/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,220/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,537
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,169/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,872 · 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).