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$20,060
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$634/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$607/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$761/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$728/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,085
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$888/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,662
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,244
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,082
−HK$850/mo
Today · 4.125%
HK$32,932
baseline
▲ 0.50% · 4.625%
HK$34,668
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,864/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$1,141/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,171
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,248
−HK$1,093/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,573
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,925 · 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).