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$21,179
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,838
−HK$669/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,562
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$641/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,415
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$803/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,274
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$770/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,651
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,573
−HK$937/mo
Today · 4.125%
HK$31,510
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,020/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$898/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,601
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,123
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,204/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,979
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,154/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,815 · 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).