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$21,583
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$653/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$818/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$783/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,216
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$955/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$915/mo
Today · 4.125%
HK$35,431
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,862/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,849
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,228/mo
Today · 4.125%
HK$41,285
baseline
▲ 0.50% · 4.625%
HK$43,797
+HK$2,512/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,570/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,219
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,378
−HK$1,176/mo
Today · 4.125%
HK$45,554
baseline
▲ 0.50% · 4.625%
HK$47,955
+HK$2,401/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,108/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,508 · 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).