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$21,140
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$668/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$640/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$801/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$768/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,597
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$936/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,809
−HK$896/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,203/mo
Today · 4.125%
HK$40,439
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,878/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,333
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,151/mo
Today · 4.125%
HK$44,620
baseline
▲ 0.50% · 4.625%
HK$46,972
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,240/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,106 · 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).