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$20,845
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$659/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,500
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$631/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$790/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$757/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$922/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$884/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,186/mo
Today · 4.125%
HK$39,874
baseline
▲ 0.50% · 4.625%
HK$42,300
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,748/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,861
−HK$1,136/mo
Today · 4.125%
HK$43,997
baseline
▲ 0.50% · 4.625%
HK$46,316
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,994/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,146 · 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).