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$20,450
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$646/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,323/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$776/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$743/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$904/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$866/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,163/mo
Today · 4.125%
HK$39,118
baseline
▲ 0.50% · 4.625%
HK$41,499
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,236/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,951
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,049
−HK$1,114/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,439
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,050 · 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).