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$20,041
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,664
−HK$633/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,295
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$606/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,738
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$760/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$728/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$886/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,630
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$849/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$1,140/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,131
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,092/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,529
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,662 · 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).