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$20,327
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$642/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$615/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$770/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$739/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,109
+HK$1,507/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,457
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$900/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,658
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$862/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,156/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,366/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,795
−HK$1,108/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,425 · 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).