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$20,624
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$652/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$624/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$782/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,532
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$749/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$913/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$873/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,123
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,277
−HK$1,174/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,851
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,299
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,406
−HK$1,124/mo
Today · 4.125%
HK$43,530
baseline
▲ 0.50% · 4.625%
HK$45,824
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,060/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,446 · 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).