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$21,128
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$668/mo
Today · 4.125%
HK$22,453
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,906/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$640/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,354
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$802/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$768/mo
Today · 4.125%
HK$29,730
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,460/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,579
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$935/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,789
−HK$896/mo
Today · 4.125%
HK$34,685
baseline
▲ 0.50% · 4.625%
HK$36,513
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,370/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,201/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,443
−HK$1,151/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,567 · 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).