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$20,233
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,862
−HK$639/mo
Today · 4.125%
HK$21,501
baseline
▲ 0.50% · 4.625%
HK$22,810
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,002/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,509
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$613/mo
Today · 4.125%
HK$23,725
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,450/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$768/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$735/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$895/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,512
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$858/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$34,965
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,151/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,355/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,102/mo
Today · 4.125%
HK$42,704
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,408/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,190 · 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).