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$21,453
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$678/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,186
+HK$1,388/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,866
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$650/mo
Today · 4.125%
HK$25,156
baseline
▲ 0.50% · 4.625%
HK$26,482
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,312/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,744
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$813/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$779/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$31,778
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$949/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,860
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$909/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,616
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,220/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,534
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,960
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,169/mo
Today · 4.125%
HK$45,281
baseline
▲ 0.50% · 4.625%
HK$47,667
+HK$2,386/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,562/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,822 · 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).