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$20,728
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$655/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$627/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$786/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$753/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,019
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$917/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,715
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,149
−HK$878/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,821
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,310
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,179/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,507
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,620
−HK$1,129/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,055
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,003 · 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).