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$19,768
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$624/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,286
+HK$1,279/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$599/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,721
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$750/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,743
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$718/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,282
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$874/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$837/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,582
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,689
−HK$1,124/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$40,114
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,584
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,646
−HK$1,077/mo
Today · 4.125%
HK$41,723
baseline
▲ 0.50% · 4.625%
HK$43,922
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,446/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,073 · 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).