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$20,798
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$657/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$629/mo
Today · 4.125%
HK$24,387
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,774/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$788/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$756/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$921/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$881/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,600
−HK$1,183/mo
Today · 4.125%
HK$39,783
baseline
▲ 0.50% · 4.625%
HK$42,204
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,566/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,647
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,133/mo
Today · 4.125%
HK$43,897
baseline
▲ 0.50% · 4.625%
HK$46,211
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,794/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,077 · 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).