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$20,614
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$651/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,239
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$624/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$781/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$749/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$912/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$874/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,104
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,172/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,831
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,278
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,385
−HK$1,123/mo
Today · 4.125%
HK$43,508
baseline
▲ 0.50% · 4.625%
HK$45,802
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,016/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,004 · 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).