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$20,129
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$636/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,393
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$609/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$24,847
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$763/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,231
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$731/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$891/mo
Today · 4.125%
HK$29,948
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,896/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,350
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,191
−HK$853/mo
Today · 4.125%
HK$33,044
baseline
▲ 0.50% · 4.625%
HK$34,786
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,088/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$1,145/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,096/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,240/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,825 · 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).