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$21,221
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$671/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$642/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$805/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$939/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$900/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,207/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,495
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,156/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,152
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,657 · 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).