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$20,355
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,988
−HK$643/mo
Today · 4.125%
HK$21,631
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,317/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,262/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$616/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,537
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$740/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$901/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$862/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,639
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,158/mo
Today · 4.125%
HK$38,937
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,369/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,874/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,854
−HK$1,109/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,264/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,799 · 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).