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$20,302
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,934
−HK$641/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,192
−HK$614/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$770/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,830
−HK$738/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,423
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$899/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$860/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,544
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$1,155/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,655
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,745
−HK$1,107/mo
Today · 4.125%
HK$42,852
baseline
▲ 0.50% · 4.625%
HK$45,110
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,704/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,107 · 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).