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$20,082
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$635/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,341
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$607/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,099
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$762/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$729/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$888/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,278
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$851/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$1,142/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,094/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,213 · 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).