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$21,328
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$674/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$24,044
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$646/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$809/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,472
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$774/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$944/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$904/mo
Today · 4.125%
HK$35,012
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,024/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,390
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,213/mo
Today · 4.125%
HK$40,797
baseline
▲ 0.50% · 4.625%
HK$43,279
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,594/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,708
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,854
−HK$1,162/mo
Today · 4.125%
HK$45,016
baseline
▲ 0.50% · 4.625%
HK$47,388
+HK$2,372/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,032/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,317 · 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).