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$19,858
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,476
−HK$627/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$601/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,228/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$753/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$722/mo
Today · 4.125%
HK$27,943
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,886/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$879/mo
Today · 4.125%
HK$29,545
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,090/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$842/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,744
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$1,130/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,261 · 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).