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$20,767
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$657/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$629/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$788/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$754/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$918/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,345
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$880/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$35,889
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,381
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,181/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,702
−HK$1,131/mo
Today · 4.125%
HK$43,833
baseline
▲ 0.50% · 4.625%
HK$46,144
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,666/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,746 · 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).