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$20,308
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$641/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,592
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$615/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$771/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$737/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$899/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$861/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,691
−HK$1,155/mo
Today · 4.125%
HK$38,846
baseline
▲ 0.50% · 4.625%
HK$41,210
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,692/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,666
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,106/mo
Today · 4.125%
HK$42,863
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,726/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,179 · 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).