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$19,550
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,159
−HK$617/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$22,041
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,552/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,750
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$592/mo
Today · 4.125%
HK$22,925
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,850/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$742/mo
Today · 4.125%
HK$24,932
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,864/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$710/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$865/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,450
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$829/mo
Today · 4.125%
HK$32,095
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,190/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,191
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$1,113/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$2,275/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,066/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,215 · 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).