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$21,103
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$667/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$639/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$800/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$767/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$933/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,867
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$894/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,201/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,150/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$46,889
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,455 · 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).