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$20,647
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$653/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$624/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,776
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,547
−HK$783/mo
Today · 4.125%
HK$26,330
baseline
▲ 0.50% · 4.625%
HK$27,932
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,660/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,563
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$750/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,584
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,906
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$913/mo
Today · 4.125%
HK$30,718
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,436/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,157
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$875/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,175/mo
Today · 4.125%
HK$39,495
baseline
▲ 0.50% · 4.625%
HK$41,898
+HK$2,403/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,990/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,454
−HK$1,125/mo
Today · 4.125%
HK$43,579
baseline
▲ 0.50% · 4.625%
HK$45,876
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,158/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,465 · 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).