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$21,595
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$683/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,396/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$654/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,334/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$819/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$784/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$955/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$915/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,870
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,079
−HK$1,229/mo
Today · 4.125%
HK$41,308
baseline
▲ 0.50% · 4.625%
HK$43,821
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,616/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,243
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,402
−HK$1,177/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$47,981
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,022 · 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).