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$21,193
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$670/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$641/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$769/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$938/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,449
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$898/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,147
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,333
−HK$1,206/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,438
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,154/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,393 · 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).