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$20,348
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,981
−HK$643/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$616/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,118
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$772/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$739/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,487
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$901/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,692
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$862/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,157/mo
Today · 4.125%
HK$38,923
baseline
▲ 0.50% · 4.625%
HK$41,292
+HK$2,369/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,846/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,109/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,707 · 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).