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$20,417
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,052
−HK$645/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$618/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,500
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$775/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$742/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$903/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$865/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,750
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,162/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,431
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,112/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,272/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,612 · 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).