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$21,567
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$682/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$652/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$817/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$783/mo
Today · 4.125%
HK$30,347
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,694/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,194
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$954/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,491
−HK$914/mo
Today · 4.125%
HK$35,405
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,810/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,821
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,028
−HK$1,227/mo
Today · 4.125%
HK$41,255
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,510/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,188
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,346
−HK$1,175/mo
Today · 4.125%
HK$45,521
baseline
▲ 0.50% · 4.625%
HK$47,921
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,042/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,820 · 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).