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$21,624
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$684/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$655/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$820/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,868
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$785/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$957/mo
Today · 4.125%
HK$32,173
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,957/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,346/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,680
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$916/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,924
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,135
−HK$1,230/mo
Today · 4.125%
HK$41,365
baseline
▲ 0.50% · 4.625%
HK$43,882
+HK$2,517/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,730/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,303
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,464
−HK$1,178/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,048
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,335 · 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).