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$21,281
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$673/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$644/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$942/mo
Today · 4.125%
HK$31,662
baseline
▲ 0.50% · 4.625%
HK$33,589
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,324/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,145
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$902/mo
Today · 4.125%
HK$34,936
baseline
▲ 0.50% · 4.625%
HK$36,777
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,872/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,306
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,498
−HK$1,210/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,160/mo
Today · 4.125%
HK$44,918
baseline
▲ 0.50% · 4.625%
HK$47,285
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,836/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,281 · 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).