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$21,240
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$671/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$643/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,488
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$806/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,356
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$772/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,463
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,737
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$939/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,082
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$900/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,707
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,233
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,422
−HK$1,208/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$43,103
+HK$2,473/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,534
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,158/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,195
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,493 · 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).