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$20,310
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,314/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$615/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,372
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$770/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$738/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$899/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$861/mo
Today · 4.125%
HK$33,341
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,682/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$1,155/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,106/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,204 · 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).