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$21,150
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,808
−HK$669/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$641/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$802/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$768/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,610
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,531
−HK$936/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,382
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$896/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,551
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,203/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,461/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,152/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,537 · 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).