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$20,251
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$640/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,529
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,134
−HK$613/mo
Today · 4.125%
HK$23,747
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,494/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$768/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,397
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$736/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$29,998
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$896/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,963
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$858/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$1,753/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$1,152/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,553
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,641
−HK$1,103/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,436 · 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).