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$21,034
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,688
−HK$665/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$637/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,026
−HK$798/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,080
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$764/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,364
−HK$930/mo
Today · 4.125%
HK$31,294
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,588/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$891/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,351
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,039
−HK$1,197/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,684
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,121
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,250
−HK$1,146/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$46,736
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,448 · 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).