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$20,781
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$657/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,343/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,119
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,739
−HK$629/mo
Today · 4.125%
HK$24,368
baseline
▲ 0.50% · 4.625%
HK$25,653
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,736/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$788/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,743
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$755/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$919/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$880/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,182/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,614
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,133/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,362 · 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).