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$20,944
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$662/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,612
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$634/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$794/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$761/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$927/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$888/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,700
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,191/mo
Today · 4.125%
HK$40,064
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,128/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,941
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,141/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,330/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,510 · 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).