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$20,707
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$655/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$626/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,561
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,849
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$785/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$753/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$916/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$878/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,178/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,466
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,128/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,115 · 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).