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$21,309
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$674/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$645/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,304
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$808/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,448
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$774/mo
Today · 4.125%
HK$29,985
baseline
▲ 0.50% · 4.625%
HK$31,565
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,970/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$943/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$903/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,550
−HK$1,212/mo
Today · 4.125%
HK$40,762
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,480/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,524/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,816
−HK$1,161/mo
Today · 4.125%
HK$44,977
baseline
▲ 0.50% · 4.625%
HK$47,348
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,954/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,516 · 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).