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$20,820
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$658/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,163
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$630/mo
Today · 4.125%
HK$24,414
baseline
▲ 0.50% · 4.625%
HK$25,701
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,828/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$789/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$757/mo
Today · 4.125%
HK$29,297
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,594/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$921/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$882/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,477
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,184/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,811
−HK$1,134/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,074 · 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).