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$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$671/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,612
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$643/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$805/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,714
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$770/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$939/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$899/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,393
−HK$1,207/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,642
−HK$1,156/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,802 · 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).