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$21,480
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$679/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,216
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$650/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,515
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,776
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$814/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$29,059
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$780/mo
Today · 4.125%
HK$30,225
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,450/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$951/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$910/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,221/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,170/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,997 · 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).