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$20,845
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$659/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,500
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$631/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$790/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$757/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$923/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$883/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,186/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,861
−HK$1,135/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,315
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,137 · 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).