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$20,557
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$650/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$623/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,375
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,668
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$780/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,810
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,443
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$747/mo
Today · 4.125%
HK$28,926
baseline
▲ 0.50% · 4.625%
HK$30,450
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,852/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$910/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,445
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$871/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,525
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,169/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,393/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,120/mo
Today · 4.125%
HK$43,388
baseline
▲ 0.50% · 4.625%
HK$45,675
+HK$2,287/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$86,776/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,506 · 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).