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$21,060
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,715
−HK$665/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,742
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,429
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$637/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$25,996
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,271
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$798/mo
Today · 4.125%
HK$26,856
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,712/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,114
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$765/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$932/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$892/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,198/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,735
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,171
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,302
−HK$1,148/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,560 · 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).