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$20,444
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$646/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$619/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$775/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,025
−HK$742/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,284
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$905/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,267
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,842
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$867/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,163/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,114/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,274/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,973 · 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).