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$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$612/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$766/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,353
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,568/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,992
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$735/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$29,950
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$895/mo
Today · 4.125%
HK$30,082
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,164/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,491
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$857/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$34,942
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,526
−HK$1,151/mo
Today · 4.125%
HK$38,677
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,354/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,574
−HK$1,102/mo
Today · 4.125%
HK$42,676
baseline
▲ 0.50% · 4.625%
HK$44,925
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,352/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,011 · 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).