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$20,451
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$646/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,323/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$776/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$742/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,631
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,522
−HK$904/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,852
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$866/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,164/mo
Today · 4.125%
HK$39,120
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,240/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,115/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,058 · 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).