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$20,137
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$637/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,402
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,003
−HK$610/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$24,857
+HK$1,244/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,916
−HK$764/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,242
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,604
−HK$731/mo
Today · 4.125%
HK$28,335
baseline
▲ 0.50% · 4.625%
HK$29,829
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,670/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$891/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,363
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,204
−HK$854/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$34,800
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,374
−HK$1,146/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,324
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,097/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,932 · 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).