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$21,180
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$669/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,562
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$641/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,310/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$804/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,653
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$770/mo
Today · 4.125%
HK$29,803
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,570/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,606/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,652
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$898/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,205/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,412
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,154/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,060
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,839 · 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).