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$21,165
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$669/mo
Today · 4.125%
HK$22,493
baseline
▲ 0.50% · 4.625%
HK$23,861
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,986/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$640/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$803/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,013
−HK$769/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,631
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$937/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$897/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,098
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,204/mo
Today · 4.125%
HK$40,487
baseline
▲ 0.50% · 4.625%
HK$42,950
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,974/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,520
−HK$1,153/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,200 · 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).