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$21,202
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$670/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,587
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$642/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$804/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$770/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,683
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$938/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$899/mo
Today · 4.125%
HK$34,806
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,612/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,351
−HK$1,206/mo
Today · 4.125%
HK$40,557
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,114/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,456
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,595
−HK$1,155/mo
Today · 4.125%
HK$44,750
baseline
▲ 0.50% · 4.625%
HK$47,109
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,500/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,804 · 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).