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$20,630
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,272
−HK$652/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$625/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$783/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,909
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,280
−HK$749/mo
Today · 4.125%
HK$29,029
baseline
▲ 0.50% · 4.625%
HK$30,559
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,058/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$912/mo
Today · 4.125%
HK$30,693
baseline
▲ 0.50% · 4.625%
HK$32,561
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,386/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,131
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$874/mo
Today · 4.125%
HK$33,867
baseline
▲ 0.50% · 4.625%
HK$35,652
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,734/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,134
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,174/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,864
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,312
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,124/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$45,839
+HK$2,296/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,731 · 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).