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$19,347
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$611/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,101
−HK$585/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$733/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$26,174
+HK$1,502/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,521
−HK$703/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$856/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$820/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,825
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,908
−HK$1,101/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,251/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,988
+HK$2,153/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,538 · 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).