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$19,687
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$622/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$596/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$747/mo
Today · 4.125%
HK$25,106
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,212/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$715/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,419
−HK$871/mo
Today · 4.125%
HK$29,290
baseline
▲ 0.50% · 4.625%
HK$31,072
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,580/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,662
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$835/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$1,119/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,292/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,072/mo
Today · 4.125%
HK$41,552
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,191/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,104/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,009 · 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).