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$20,585
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$650/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,900
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,514
−HK$623/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,410
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,702
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$781/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$748/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,492
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$911/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$872/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,574
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,052
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,205
−HK$1,171/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,772
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,220
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,121/mo
Today · 4.125%
HK$43,447
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,894/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,732 · 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).