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$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$643/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,957
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$617/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,136
+HK$1,258/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$772/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$739/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$901/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$863/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,158/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,109/mo
Today · 4.125%
HK$42,980
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,960/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,907 · 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).