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$20,965
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$662/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,635
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$634/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$795/mo
Today · 4.125%
HK$26,735
baseline
▲ 0.50% · 4.625%
HK$28,362
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,470/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,738
−HK$762/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$927/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$33,089
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$888/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,193/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,143/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,582
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,404 · 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).