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$21,096
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$667/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$638/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$800/mo
Today · 4.125%
HK$26,903
baseline
▲ 0.50% · 4.625%
HK$28,540
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,806/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,163
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$767/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,370/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,453
−HK$934/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,857
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,738
−HK$894/mo
Today · 4.125%
HK$34,632
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,264/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,200/mo
Today · 4.125%
HK$40,354
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,708/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,149/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,167 · 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).