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$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$657/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,084
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$824/mo
Today · 4.125%
HK$27,720
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,440/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$789/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,198
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$962/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$921/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,126
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,343
−HK$1,237/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$44,110
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,528
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,695
−HK$1,184/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,298
+HK$2,419/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,262 · 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).