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$20,733
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$655/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$628/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$786/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,679
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$753/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,712
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$918/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$878/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,179/mo
Today · 4.125%
HK$39,660
baseline
▲ 0.50% · 4.625%
HK$42,073
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,320/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,518
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,130/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,068
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,248 · 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).