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$20,158
−HK$618/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,264/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$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,749
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$592/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,132
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$742/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,099
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$710/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,221
−HK$865/mo
Today · 4.125%
HK$29,086
baseline
▲ 0.50% · 4.625%
HK$30,856
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,172/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$828/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$1,112/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,672
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,065/mo
Today · 4.125%
HK$41,263
baseline
▲ 0.50% · 4.625%
HK$43,438
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,526/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,205 · 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).