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$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$629/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$603/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,897
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$755/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,941
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,298
−HK$723/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,498
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,880
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$881/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,431
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,256/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,016
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,848
−HK$844/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,415
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$1,133/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,947
−HK$1,085/mo
Today · 4.125%
HK$42,032
baseline
▲ 0.50% · 4.625%
HK$44,248
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,064/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,999 · 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).