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$20,558
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,197
−HK$650/mo
Today · 4.125%
HK$21,847
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,694/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$622/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$780/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,812
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$746/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,452
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,676
−HK$910/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,447
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$872/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,170/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,393/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,167
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,120/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$45,678
+HK$2,287/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,563 · 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).