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$20,240
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$640/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$613/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$768/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,021
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$736/mo
Today · 4.125%
HK$28,481
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,962/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,337
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$896/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,524
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$857/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,566
−HK$1,151/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,531
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,618
−HK$1,103/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$44,973
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,292 · 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).