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$19,628
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$620/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,422
−HK$594/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,554
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$745/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$713/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$869/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$832/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,331
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,430
−HK$1,116/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,831
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,305
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,070/mo
Today · 4.125%
HK$41,429
baseline
▲ 0.50% · 4.625%
HK$43,612
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,858/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,237 · 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).