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$21,216
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,876
−HK$670/mo
Today · 4.125%
HK$22,546
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,092/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$642/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,189
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$805/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,323
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$770/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$939/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$899/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,665
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,189
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,207/mo
Today · 4.125%
HK$40,584
baseline
▲ 0.50% · 4.625%
HK$43,053
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,168/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,485
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,156/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,140
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,422 · 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).