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$20,695
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$654/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$627/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$784/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$751/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$916/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$877/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,251
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,177/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,996
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,174/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,127/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,575 · 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).