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$21,377
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$675/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,419
−HK$647/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,652
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$811/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$777/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,928
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$945/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,740
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,294
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,187
−HK$906/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,478
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,675
−HK$1,216/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,379
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,807
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,164/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,498
+HK$2,379/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,476 · 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).