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$21,095
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$667/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$639/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$800/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,161
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$766/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$933/mo
Today · 4.125%
HK$31,385
baseline
▲ 0.50% · 4.625%
HK$33,295
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,770/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,855
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$894/mo
Today · 4.125%
HK$34,630
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$1,825/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,260/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,152
−HK$1,200/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,807
+HK$2,455/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,149/mo
Today · 4.125%
HK$44,524
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,048/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,112 · 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).