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$20,982
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$663/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,342
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$635/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$796/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,385
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$762/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,942
−HK$1,193/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,142
−HK$1,143/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,141 · 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).