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$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$684/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$655/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$820/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,642
−HK$785/mo
Today · 4.125%
HK$30,427
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,854/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,273
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$957/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$916/mo
Today · 4.125%
HK$35,498
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,996/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,231/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,301
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,179/mo
Today · 4.125%
HK$45,641
baseline
▲ 0.50% · 4.625%
HK$48,046
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,282/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,304 · 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).