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$21,710
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$658/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$823/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,370
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$789/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,393
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,339
−HK$960/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,265
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,812
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,719
−HK$920/mo
Today · 4.125%
HK$35,639
baseline
▲ 0.50% · 4.625%
HK$37,518
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,278/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,235/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,639
−HK$1,183/mo
Today · 4.125%
HK$45,822
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,644/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,068 · 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).