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$20,604
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$651/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,228
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,921
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,536
−HK$624/mo
Today · 4.125%
HK$24,160
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,320/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$782/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,506
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$749/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$912/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$873/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,172/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,398/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,123/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$45,780
+HK$2,292/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,568 · 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).