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$21,365
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$675/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,382/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$647/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,373
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$810/mo
Today · 4.125%
HK$27,245
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,490/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$776/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$945/mo
Today · 4.125%
HK$31,786
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,572/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$906/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,216/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,355
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,164/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,939 · 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).