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$21,190
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$670/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,889
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,573
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$641/mo
Today · 4.125%
HK$24,847
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,694/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,428
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$803/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$769/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$938/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$898/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,619
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,205/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,467/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,432
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,570
−HK$1,155/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,272 · 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).