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$20,209
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$638/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,783
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,482
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$612/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,251
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$767/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,702
−HK$734/mo
Today · 4.125%
HK$28,436
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,872/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,293
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$894/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$857/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$34,925
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,376
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$1,149/mo
Today · 4.125%
HK$38,657
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,353/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,314/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,468
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,101/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$44,903
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,879 · 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).