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$19,198
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,795
−HK$607/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,357
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$581/mo
Today · 4.125%
HK$22,511
baseline
▲ 0.50% · 4.625%
HK$23,698
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,022/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$728/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$698/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,437
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$849/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$814/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,046/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,575 · 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).