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$20,383
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$645/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,676
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$617/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$773/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$741/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,537
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$902/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,747
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$864/mo
Today · 4.125%
HK$33,462
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,924/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,690
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,831
−HK$1,160/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,363
+HK$2,372/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,912
−HK$1,111/mo
Today · 4.125%
HK$43,023
baseline
▲ 0.50% · 4.625%
HK$45,290
+HK$2,267/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,046/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,172 · 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).