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$20,594
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$651/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$623/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$748/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,831
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,728
−HK$911/mo
Today · 4.125%
HK$30,639
baseline
▲ 0.50% · 4.625%
HK$32,503
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,278/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,074
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$872/mo
Today · 4.125%
HK$33,807
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,614/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,171/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,790
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,122/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,292/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,130 · 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).