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$20,172
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$637/mo
Today · 4.125%
HK$21,437
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,874/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$611/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$733/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$892/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$854/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,310
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$1,148/mo
Today · 4.125%
HK$38,587
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,174/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,394
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,478
−HK$1,099/mo
Today · 4.125%
HK$42,577
baseline
▲ 0.50% · 4.625%
HK$44,821
+HK$2,244/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,154/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,394 · 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).