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$21,832
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$690/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$660/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$26,950
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,199
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$828/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$793/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,565
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$966/mo
Today · 4.125%
HK$32,482
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,964/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,004
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$925/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,298
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,242/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,891
−HK$1,190/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,429/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,452 · 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).