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$20,031
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$633/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$606/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$760/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$27,099
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$727/mo
Today · 4.125%
HK$28,186
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,372/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,916
−HK$886/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$849/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,617
+HK$1,733/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,056
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,178
−HK$1,139/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,332/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,112
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,188
−HK$1,091/mo
Today · 4.125%
HK$42,279
baseline
▲ 0.50% · 4.625%
HK$44,508
+HK$2,229/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$84,558/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,539 · 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).