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$20,251
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$640/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,830
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$613/mo
Today · 4.125%
HK$23,746
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,492/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,301
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,057
−HK$767/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,034
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,759
−HK$736/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$896/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,962
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,540
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,386
−HK$858/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,451
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$1,152/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,551
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,639
−HK$1,103/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,425 · 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).