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$20,345
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,978
−HK$643/mo
Today · 4.125%
HK$21,621
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,242/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,634
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$616/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,415
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$772/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,161
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$739/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,137
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$900/mo
Today · 4.125%
HK$30,270
baseline
▲ 0.50% · 4.625%
HK$32,112
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,540/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,688
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$862/mo
Today · 4.125%
HK$33,400
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,800/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,622
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,157/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,109/mo
Today · 4.125%
HK$42,943
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,886/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,674 · 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).