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$21,247
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$671/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$643/mo
Today · 4.125%
HK$24,914
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,828/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,496
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$806/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$772/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$940/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,092
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,979
−HK$901/mo
Today · 4.125%
HK$34,880
baseline
▲ 0.50% · 4.625%
HK$36,718
+HK$1,838/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,760/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,209/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,473/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,157/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,781 · 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).