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$21,108
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,764
−HK$667/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$639/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$800/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$767/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,551
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,470
−HK$934/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,315
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,875
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,756
−HK$895/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,994
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,200/mo
Today · 4.125%
HK$40,376
baseline
▲ 0.50% · 4.625%
HK$42,833
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,752/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,401
−HK$1,150/mo
Today · 4.125%
HK$44,551
baseline
▲ 0.50% · 4.625%
HK$46,900
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,102/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,669 · 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).