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$21,366
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$675/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$647/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,320/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$810/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$776/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$945/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$905/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,216/mo
Today · 4.125%
HK$40,871
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,742/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,785
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,164/mo
Today · 4.125%
HK$45,097
baseline
▲ 0.50% · 4.625%
HK$47,474
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,194/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,003 · 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).