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$20,290
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$641/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$615/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$769/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$737/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$898/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$32,024
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$1,155/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$41,173
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,630
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,106/mo
Today · 4.125%
HK$42,825
baseline
▲ 0.50% · 4.625%
HK$45,082
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,650/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,939 · 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).