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$20,338
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$643/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$616/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,406
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$772/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$739/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,127
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,474
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$899/mo
Today · 4.125%
HK$30,259
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,518/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,677
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$862/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,609
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,157/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,108/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,191
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,582 · 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).