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$20,166
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$638/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,735
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$611/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$24,893
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$765/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$733/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$892/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,251
−HK$854/mo
Today · 4.125%
HK$33,105
baseline
▲ 0.50% · 4.625%
HK$34,850
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,210/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,299
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$1,147/mo
Today · 4.125%
HK$38,575
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,150/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,465
−HK$1,099/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$44,807
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,313 · 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).