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$20,678
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$653/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$625/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$784/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$751/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,849
−HK$915/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,636
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,205
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$876/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,177/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,127/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$45,944
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,809 · 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).