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$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$647/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,100
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$621/mo
Today · 4.125%
HK$24,027
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,054/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,353
−HK$777/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$744/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,579
−HK$906/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,769
−HK$868/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,882
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,165/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,031
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,116/mo
Today · 4.125%
HK$43,248
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,496/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,578 · 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).