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$20,974
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$663/mo
Today · 4.125%
HK$22,290
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,580/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$635/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$795/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$762/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,069
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$928/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$889/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,247
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,754
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,193/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,127
−HK$1,143/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,603
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,822 · 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).