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$20,316
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$643/mo
Today · 4.125%
HK$21,591
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,182/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$615/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,256/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,138
−HK$771/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$899/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$861/mo
Today · 4.125%
HK$33,352
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,704/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,707
−HK$1,156/mo
Today · 4.125%
HK$38,863
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,726/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,683
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,774
−HK$1,107/mo
Today · 4.125%
HK$42,881
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,762/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,293 · 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).