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$20,410
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$645/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$23,010
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$618/mo
Today · 4.125%
HK$23,933
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,866/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$774/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,612
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,248
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$742/mo
Today · 4.125%
HK$28,720
baseline
▲ 0.50% · 4.625%
HK$30,234
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,440/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$903/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$865/mo
Today · 4.125%
HK$33,506
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,012/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,162/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,418
+HK$2,375/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,871
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,112/mo
Today · 4.125%
HK$43,080
baseline
▲ 0.50% · 4.625%
HK$45,350
+HK$2,270/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,160/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,528 · 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).