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$20,615
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$652/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$624/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$781/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$749/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$912/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,108
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$873/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,107
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,173/mo
Today · 4.125%
HK$39,434
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,868/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,281
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,388
−HK$1,124/mo
Today · 4.125%
HK$43,512
baseline
▲ 0.50% · 4.625%
HK$45,805
+HK$2,293/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,024/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,068 · 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).