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$19,777
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$626/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,278/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,002
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$599/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,733
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$750/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$718/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,549
−HK$876/mo
Today · 4.125%
HK$29,425
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,850/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,803
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$838/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,599
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,706
−HK$1,126/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,301/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,604
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,077/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$43,944
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,199 · 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).