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$20,567
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$650/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$623/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$780/mo
Today · 4.125%
HK$26,228
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,456/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,193
−HK$747/mo
Today · 4.125%
HK$28,940
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,880/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$910/mo
Today · 4.125%
HK$30,600
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,861/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,200/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$872/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$1,779/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,170/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,736
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,185
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,290
−HK$1,120/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,964 · 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).