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$19,858
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,476
−HK$628/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,685
−HK$601/mo
Today · 4.125%
HK$23,286
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,572/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$753/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$721/mo
Today · 4.125%
HK$27,943
baseline
▲ 0.50% · 4.625%
HK$29,416
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,886/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$879/mo
Today · 4.125%
HK$29,545
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,090/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,759
−HK$841/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$1,129/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,264 · 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).