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$20,750
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$655/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$628/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$787/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,701
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$754/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$918/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$879/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,350
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,512
−HK$1,181/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,552
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,131/mo
Today · 4.125%
HK$43,797
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,594/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,997 · 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).