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$20,244
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$640/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$612/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$768/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$735/mo
Today · 4.125%
HK$28,486
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,972/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$895/mo
Today · 4.125%
HK$30,119
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,238/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,530
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$858/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$1,152/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,539
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,103/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$44,981
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,344 · 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).