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$20,179
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$638/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$610/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,248/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$765/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$893/mo
Today · 4.125%
HK$30,022
baseline
▲ 0.50% · 4.625%
HK$31,848
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,044/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,428
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$855/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,321
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,451
−HK$1,148/mo
Today · 4.125%
HK$38,599
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,198/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,407
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,099/mo
Today · 4.125%
HK$42,590
baseline
▲ 0.50% · 4.625%
HK$44,835
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,180/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,479 · 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).