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$20,841
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$659/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$631/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$790/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$28,195
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$757/mo
Today · 4.125%
HK$29,326
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,545/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,652/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$922/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,894
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,330
−HK$883/mo
Today · 4.125%
HK$34,213
baseline
▲ 0.50% · 4.625%
HK$36,017
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,426/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,185/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$42,292
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,135/mo
Today · 4.125%
HK$43,988
baseline
▲ 0.50% · 4.625%
HK$46,307
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,976/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,976 · 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).