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$20,170
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$638/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,739
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,040
−HK$611/mo
Today · 4.125%
HK$23,651
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,302/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$764/mo
Today · 4.125%
HK$25,721
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,442/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,926
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$732/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$29,877
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,238
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$892/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,257
−HK$854/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$34,857
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,435
−HK$1,147/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,930
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,164/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,099/mo
Today · 4.125%
HK$42,572
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,244/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,144/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,362 · 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).