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$20,035
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$633/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$606/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$760/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$728/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$886/mo
Today · 4.125%
HK$29,807
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,614/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$849/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,062
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$1,140/mo
Today · 4.125%
HK$38,324
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,331/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,648/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,091/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,583 · 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).