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$20,677
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$654/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$626/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,848
−HK$915/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$876/mo
Today · 4.125%
HK$33,944
baseline
▲ 0.50% · 4.625%
HK$35,733
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,888/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,177/mo
Today · 4.125%
HK$39,553
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,106/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,126/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,787 · 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).