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$20,099
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$635/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$609/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$762/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$27,191
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,832
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$730/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,138
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$889/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,722
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$852/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$34,734
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$1,143/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,340/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,095/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,429 · 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).