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$20,328
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$642/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$615/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,394
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$771/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,501
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,138
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$738/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,345
−HK$899/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,841/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,661
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$862/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,591
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,157/mo
Today · 4.125%
HK$38,886
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,366/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,772/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,707
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,799
−HK$1,108/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,168
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,450 · 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).