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$21,197
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$670/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$641/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$804/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,297
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$770/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$937/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,455
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$898/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,154
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,206/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,446
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,154/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,579 · 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).