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$19,864
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$628/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$601/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,542/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$722/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,809
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$878/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$841/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,755
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$1,130/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,777
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,082/mo
Today · 4.125%
HK$41,926
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,852/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,339 · 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).