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$20,106
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$635/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,368
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$608/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$762/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$731/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,149
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$890/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$852/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,191
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$1,144/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,340/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,262
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,342
−HK$1,095/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$44,674
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,526 · 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).