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$20,299
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$642/mo
Today · 4.125%
HK$21,572
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,144/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,582
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,188
−HK$614/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,057
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$770/mo
Today · 4.125%
HK$25,886
baseline
▲ 0.50% · 4.625%
HK$27,461
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,772/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$738/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,418
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,302
−HK$898/mo
Today · 4.125%
HK$30,200
baseline
▲ 0.50% · 4.625%
HK$32,038
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,400/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,615
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,463
−HK$860/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,080
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,538
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$1,155/mo
Today · 4.125%
HK$38,829
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,658/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,648
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,106/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,103
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,061 · 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).