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$20,449
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$646/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$619/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$775/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,300
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$743/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$905/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$867/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,163/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,498
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,950
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,114/mo
Today · 4.125%
HK$43,162
baseline
▲ 0.50% · 4.625%
HK$45,437
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,324/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,042 · 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).