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$21,146
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$668/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,839
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,524
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$640/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,375
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,164
−HK$802/mo
Today · 4.125%
HK$26,966
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,932/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$769/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,525
−HK$936/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,375
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$896/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,543
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,203/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,462/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,344
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,152/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,352/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,343 · 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).