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$20,115
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$636/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$609/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$763/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,213
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,854
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$731/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,161
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$890/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$852/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$1,144/mo
Today · 4.125%
HK$38,478
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,956/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,096/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,646 · 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).