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$21,359
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$646/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$810/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$776/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,903
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$945/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,712
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,267
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$905/mo
Today · 4.125%
HK$35,064
baseline
▲ 0.50% · 4.625%
HK$36,913
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,128/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,447
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,215/mo
Today · 4.125%
HK$40,858
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,716/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,772
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,919
−HK$1,164/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,715 · 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).