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$20,210
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$639/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,483
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$612/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,252
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$767/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,341
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$735/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$29,937
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,294
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$894/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,477
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$856/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,378
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,509
−HK$1,150/mo
Today · 4.125%
HK$38,659
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,318/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,470
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,555
−HK$1,101/mo
Today · 4.125%
HK$42,656
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,312/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,890 · 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).