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$20,739
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$655/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$627/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$786/mo
Today · 4.125%
HK$26,447
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,894/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$753/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$917/mo
Today · 4.125%
HK$30,855
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,710/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,840
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,180/mo
Today · 4.125%
HK$39,671
baseline
▲ 0.50% · 4.625%
HK$42,085
+HK$2,414/mo
Deposit HK$909K · loan HK$8.19M · min. income ≈ HK$79,342/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,130/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,307/mo
Deposit HK$909K · loan HK$8.19M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,499 · 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).