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$20,597
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,238
−HK$651/mo
Today · 4.125%
HK$21,889
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,778/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,914
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$623/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,425
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,304/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,485
−HK$782/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,234
−HK$749/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$911/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,509
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$873/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,075
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,172/mo
Today · 4.125%
HK$39,400
baseline
▲ 0.50% · 4.625%
HK$41,797
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,800/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,246
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,352
−HK$1,122/mo
Today · 4.125%
HK$43,474
baseline
▲ 0.50% · 4.625%
HK$45,765
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,948/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,284 · 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).