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$20,396
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$644/mo
Today · 4.125%
HK$21,675
baseline
▲ 0.50% · 4.625%
HK$22,994
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,350/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$618/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$774/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$741/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,443
−HK$903/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,619
−HK$864/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,714
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,160/mo
Today · 4.125%
HK$39,016
baseline
▲ 0.50% · 4.625%
HK$41,390
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,032/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,843
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,939
−HK$1,111/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,319
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,344 · 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).