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$21,069
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$666/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$637/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$765/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$932/mo
Today · 4.125%
HK$31,346
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,692/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$892/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,924
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,198/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,452/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,190
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,147/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,970 · 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).