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$20,367
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$643/mo
Today · 4.125%
HK$21,644
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,288/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,658
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$616/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$772/mo
Today · 4.125%
HK$25,973
baseline
▲ 0.50% · 4.625%
HK$27,554
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,946/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,190
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$740/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,159/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,109/mo
Today · 4.125%
HK$42,988
baseline
▲ 0.50% · 4.625%
HK$45,254
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,976/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,959 · 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).