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$21,633
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$683/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$655/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$820/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,679/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$786/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,228
−HK$957/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,693
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$917/mo
Today · 4.125%
HK$35,513
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,026/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,231/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,319
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,179/mo
Today · 4.125%
HK$45,660
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,320/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,702 · 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).