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$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$619/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$593/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$742/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$711/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$866/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,878
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,471
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,288
−HK$829/mo
Today · 4.125%
HK$32,117
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,234/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$1,113/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,066/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,470
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,392 · 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).