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$20,206
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$639/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$611/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$767/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,335
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$734/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$894/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,891
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,470
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$857/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,371
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$1,149/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,547
−HK$1,101/mo
Today · 4.125%
HK$42,648
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,296/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,837 · 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).