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$21,033
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,688
−HK$664/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$637/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$798/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$763/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,157
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$930/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,759
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$891/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,860
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,196/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,683
+HK$2,449/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,249
−HK$1,146/mo
Today · 4.125%
HK$44,395
baseline
▲ 0.50% · 4.625%
HK$46,735
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,790/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,418 · 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).