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$21,122
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$668/mo
Today · 4.125%
HK$22,447
baseline
▲ 0.50% · 4.625%
HK$23,813
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,894/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,129
−HK$639/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,073
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$801/mo
Today · 4.125%
HK$26,936
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,872/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$767/mo
Today · 4.125%
HK$29,721
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,442/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$935/mo
Today · 4.125%
HK$31,426
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,852/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,898
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,780
−HK$895/mo
Today · 4.125%
HK$34,675
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,350/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,201/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,863
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,297
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,151/mo
Today · 4.125%
HK$44,582
baseline
▲ 0.50% · 4.625%
HK$46,932
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,164/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,312 · 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).