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$21,237
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$671/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$643/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,215
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$805/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,731
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$771/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,732
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,657
−HK$940/mo
Today · 4.125%
HK$31,597
baseline
▲ 0.50% · 4.625%
HK$33,519
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,194/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,077
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,964
−HK$900/mo
Today · 4.125%
HK$34,864
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,728/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,227
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,208/mo
Today · 4.125%
HK$40,624
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,248/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,527
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,668
−HK$1,157/mo
Today · 4.125%
HK$44,825
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,650/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,359 · 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).