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$21,007
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$664/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,683
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$636/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,209
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$796/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$763/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$929/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$890/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,195/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,629
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,067
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,195
−HK$1,144/mo
Today · 4.125%
HK$44,339
baseline
▲ 0.50% · 4.625%
HK$46,677
+HK$2,338/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,678/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,267 · 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).