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$19,298
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$610/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$584/mo
Today · 4.125%
HK$22,628
baseline
▲ 0.50% · 4.625%
HK$23,821
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,256/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$732/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,453
−HK$701/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$854/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,458
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,862
−HK$818/mo
Today · 4.125%
HK$31,680
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,360/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$1,098/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,643
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,052/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,888 · 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).