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$19,410
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$614/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,882
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$588/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$23,959
+HK$1,199/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,292
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$736/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$705/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$859/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$822/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$1,104/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,057/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,362 · 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).