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$21,268
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$672/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,660
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,295
−HK$644/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$807/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$773/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,504
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,775
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$941/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$901/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,473
−HK$1,210/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$43,159
+HK$2,476/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,159/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,256
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,703 · 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).