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$19,467
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$616/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$590/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,030
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,360
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$738/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,511/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$707/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$862/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$825/mo
Today · 4.125%
HK$31,957
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,914/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,040
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$1,108/mo
Today · 4.125%
HK$37,238
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$2,265/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,476/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,982
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,027
−HK$1,061/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,254
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,113 · 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).