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$19,337
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$611/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,800
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$585/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$733/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,815
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$703/mo
Today · 4.125%
HK$27,210
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,420/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,072
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$856/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$820/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$1,100/mo
Today · 4.125%
HK$36,990
baseline
▲ 0.50% · 4.625%
HK$39,241
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,980/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,723
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,054/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,411 · 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).