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$20,713
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$655/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$627/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$785/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$753/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$917/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,692
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$878/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$35,795
+HK$1,792/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,283
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,443
−HK$1,178/mo
Today · 4.125%
HK$39,621
baseline
▲ 0.50% · 4.625%
HK$42,032
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,242/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,477
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,590
−HK$1,128/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,023
+HK$2,305/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,364 · 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).