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$20,457
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$646/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,758
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$619/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,252
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,549
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$776/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,310
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$743/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$905/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,862
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$867/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,823
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,968
−HK$1,164/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,513
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,965
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,114/mo
Today · 4.125%
HK$43,178
baseline
▲ 0.50% · 4.625%
HK$45,454
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,356/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,145 · 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).