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$19,657
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$622/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$745/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$869/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,615
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$833/mo
Today · 4.125%
HK$32,269
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,538/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$1,118/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,071/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,615 · 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).