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$20,991
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$664/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,353
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$635/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$796/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,023
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$762/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$929/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$890/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,784
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,194/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,597
+HK$2,443/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,144/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,335/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,566 · 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).