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$20,828
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$658/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,792
−HK$631/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$790/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,805
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$756/mo
Today · 4.125%
HK$29,307
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,614/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,159
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$921/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$883/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,656
−HK$1,185/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,707
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,135/mo
Today · 4.125%
HK$43,961
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,922/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,399 · 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).