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$20,609
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$651/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$624/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$782/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,599/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$748/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$912/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$873/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,096
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,250
−HK$1,173/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,821
+HK$2,398/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,269
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,376
−HK$1,123/mo
Today · 4.125%
HK$43,499
baseline
▲ 0.50% · 4.625%
HK$45,792
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,998/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,805 · 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).