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$21,741
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$687/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$658/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,089
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$824/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,802
−HK$790/mo
Today · 4.125%
HK$30,592
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,184/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,437
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$962/mo
Today · 4.125%
HK$32,346
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,692/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$921/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,351
−HK$1,237/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$44,118
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,176/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,536
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,185/mo
Today · 4.125%
HK$45,888
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,419/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,776/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,438 · 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).