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$21,046
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$665/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$765/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,382
−HK$931/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$891/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,062
−HK$1,197/mo
Today · 4.125%
HK$40,259
baseline
▲ 0.50% · 4.625%
HK$42,709
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,518/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,145
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,275
−HK$1,147/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,986 · 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).