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$20,255
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$613/mo
Today · 4.125%
HK$23,751
baseline
▲ 0.50% · 4.625%
HK$25,003
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,502/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$768/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$736/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$896/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,834/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$858/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,753/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,459
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$1,152/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,358/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,104/mo
Today · 4.125%
HK$42,752
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,504/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,483 · 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).