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$20,217
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$639/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$612/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$767/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,989
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$735/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$895/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,909
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,488
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$857/mo
Today · 4.125%
HK$33,189
baseline
▲ 0.50% · 4.625%
HK$34,938
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,378/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,391
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$1,151/mo
Today · 4.125%
HK$38,673
baseline
▲ 0.50% · 4.625%
HK$41,026
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,346/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,484
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,101/mo
Today · 4.125%
HK$42,671
baseline
▲ 0.50% · 4.625%
HK$44,921
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,342/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,983 · 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).