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$21,344
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$675/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$24,063
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$809/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$776/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,811
−HK$945/mo
Today · 4.125%
HK$31,756
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,512/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,243
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$904/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,215/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,163/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,425
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,038 · 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).