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$20,664
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$653/mo
Today · 4.125%
HK$21,960
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,920/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,989
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$626/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,797
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$784/mo
Today · 4.125%
HK$26,352
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,604/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,704/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,587
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$751/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,610
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$914/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,184
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,047
−HK$876/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,175/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,490
−HK$1,125/mo
Today · 4.125%
HK$43,615
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,230/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,225 · 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).