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$1,275/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$643/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,430 · 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$25,092
+HK$1,257/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$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$771/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$738/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,508/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$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$899/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$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$861/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$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,156/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,366/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,107/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,262/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$267,430 · 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).