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$20,671
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$653/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,304
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$625/mo
Today · 4.125%
HK$24,238
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,476/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$784/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,964
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,595
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$751/mo
Today · 4.125%
HK$29,086
baseline
▲ 0.50% · 4.625%
HK$30,619
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,172/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$915/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,194
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$876/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,722
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,207
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,365
−HK$1,176/mo
Today · 4.125%
HK$39,541
baseline
▲ 0.50% · 4.625%
HK$41,946
+HK$2,405/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,082/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,393
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,503
−HK$1,126/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$45,929
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,509 · 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).