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$20,051
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$634/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,307
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,905
−HK$607/mo
Today · 4.125%
HK$23,512
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,024/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$760/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$728/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,072
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$887/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$850/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,092
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,215
−HK$1,140/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,152
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,092/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,552
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,802 · 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).