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$20,807
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$657/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$630/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$789/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$28,149
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$755/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$30,822
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$921/mo
Today · 4.125%
HK$30,957
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,914/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$882/mo
Today · 4.125%
HK$34,158
baseline
▲ 0.50% · 4.625%
HK$35,959
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,316/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,453
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,618
−HK$1,184/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,422/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,666
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,784
−HK$1,134/mo
Today · 4.125%
HK$43,918
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,314/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,836/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,503 · 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).