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$19,192
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,789
−HK$606/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,636
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$581/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$728/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$697/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$850/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,693
−HK$813/mo
Today · 4.125%
HK$31,506
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,661/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,012/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$1,092/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,946
+HK$2,234/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,462
−HK$1,046/mo
Today · 4.125%
HK$40,508
baseline
▲ 0.50% · 4.625%
HK$42,643
+HK$2,135/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,016/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,498 · 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).