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$20,108
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$635/mo
Today · 4.125%
HK$21,369
baseline
▲ 0.50% · 4.625%
HK$22,669
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,738/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,370
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$609/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$24,821
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$763/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,564
−HK$730/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$890/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,737
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$852/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,195
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$1,144/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,096/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,551 · 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).