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$20,766
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$656/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$629/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,694
−HK$788/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,722
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$754/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,760
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$918/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,775
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,210
−HK$880/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,379
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,182/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,699
−HK$1,131/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,685 · 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).