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$20,978
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$663/mo
Today · 4.125%
HK$22,293
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,586/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$635/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,173
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,956
−HK$796/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$762/mo
Today · 4.125%
HK$29,518
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,036/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,369
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$928/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$889/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,253
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,935
−HK$1,193/mo
Today · 4.125%
HK$40,128
baseline
▲ 0.50% · 4.625%
HK$42,570
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,256/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,143/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,978 · 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).