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$20,088
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$635/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$608/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$762/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,817
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$730/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$889/mo
Today · 4.125%
HK$29,887
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,774/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$851/mo
Today · 4.125%
HK$32,977
baseline
▲ 0.50% · 4.625%
HK$34,715
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,954/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,158
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$1,143/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,305
−HK$1,094/mo
Today · 4.125%
HK$42,399
baseline
▲ 0.50% · 4.625%
HK$44,634
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,798/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,285 · 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).