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$20,949
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$662/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$634/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$794/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$761/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$927/mo
Today · 4.125%
HK$31,168
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,336/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$888/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,192/mo
Today · 4.125%
HK$40,073
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,146/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,142/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,330/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,719 · 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).