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$20,791
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$658/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$629/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$788/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$755/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$920/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$881/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,183/mo
Today · 4.125%
HK$39,770
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,540/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,633
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,750
−HK$1,132/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,196
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,773 · 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).