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$20,470
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$647/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,772
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$620/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$776/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,692
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,327
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$743/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$906/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$868/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,845
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,165/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,990
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,116/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,482
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,308 · 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).