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$20,950
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$662/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,307
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$634/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$795/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,342
+HK$1,625/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$761/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,243
−HK$927/mo
Today · 4.125%
HK$31,170
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,340/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,630
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,505
−HK$887/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,192/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,141/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,550
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,765 · 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).