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$20,427
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$645/mo
Today · 4.125%
HK$21,708
baseline
▲ 0.50% · 4.625%
HK$23,029
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,416/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,725
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$618/mo
Today · 4.125%
HK$23,953
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,906/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$775/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,635
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$742/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,598
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,488
−HK$904/mo
Today · 4.125%
HK$30,392
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,784/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,815
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$865/mo
Today · 4.125%
HK$33,534
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,068/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,913
−HK$1,162/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,905
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,002
−HK$1,113/mo
Today · 4.125%
HK$43,115
baseline
▲ 0.50% · 4.625%
HK$45,388
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,230/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,751 · 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).