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$20,632
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$652/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$625/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$783/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$750/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$913/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,564
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$874/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,173/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,124/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,296/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,809 · 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).