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$20,198
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$638/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,771
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,073
−HK$611/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$766/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$734/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$29,919
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$893/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$855/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$1,149/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,987
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,446
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,531
−HK$1,100/mo
Today · 4.125%
HK$42,631
baseline
▲ 0.50% · 4.625%
HK$44,878
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,262/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,732 · 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).