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$20,787
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$629/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$788/mo
Today · 4.125%
HK$26,509
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,018/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,751
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$755/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$30,792
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,102
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$920/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,376
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$881/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$35,924
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,417
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,581
−HK$1,182/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$42,183
+HK$2,420/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,626
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,133/mo
Today · 4.125%
HK$43,875
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,313/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,750/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,620 · 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).