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$20,096
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$635/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$609/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$762/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,559/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$730/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,768
+HK$1,490/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$889/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,718
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$852/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,729
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$1,143/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,340/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,322
−HK$1,094/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,652
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,394 · 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).