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$21,301
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$673/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$24,014
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$645/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,561
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$808/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$773/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,821
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$942/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,065
−HK$903/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$36,811
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,341
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,211/mo
Today · 4.125%
HK$40,745
baseline
▲ 0.50% · 4.625%
HK$43,225
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,490/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,654
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,798
−HK$1,161/mo
Today · 4.125%
HK$44,959
baseline
▲ 0.50% · 4.625%
HK$47,328
+HK$2,369/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,918/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,134 · 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).