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$20,844
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$659/mo
Today · 4.125%
HK$22,151
baseline
▲ 0.50% · 4.625%
HK$23,499
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,302/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,810
−HK$631/mo
Today · 4.125%
HK$24,441
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,882/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$791/mo
Today · 4.125%
HK$26,581
baseline
▲ 0.50% · 4.625%
HK$28,198
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,162/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,826
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$757/mo
Today · 4.125%
HK$29,329
baseline
▲ 0.50% · 4.625%
HK$30,875
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,658/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$922/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,898
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,464
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,334
−HK$884/mo
Today · 4.125%
HK$34,218
baseline
▲ 0.50% · 4.625%
HK$36,021
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,436/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,519
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,185/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$42,297
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,739
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,135/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,095 · 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).