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$21,167
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$669/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$640/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,190
−HK$803/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$769/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,354
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$937/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,408
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,967
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,851
−HK$897/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$1,832/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,204/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,953
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,523
−HK$1,153/mo
Today · 4.125%
HK$44,676
baseline
▲ 0.50% · 4.625%
HK$47,031
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,352/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,269 · 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).