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$20,378
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$644/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$616/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$772/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,569
+HK$1,582/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,205
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$741/mo
Today · 4.125%
HK$28,675
baseline
▲ 0.50% · 4.625%
HK$30,186
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,350/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$902/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$864/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,681
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,159/mo
Today · 4.125%
HK$38,981
baseline
▲ 0.50% · 4.625%
HK$41,353
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,962/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,807
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,902
−HK$1,110/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,279
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,106 · 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).