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$20,158
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$637/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$610/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$765/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$732/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$892/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,816
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,396
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$854/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,147/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,098/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,209 · 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).