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$19,956
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$631/mo
Today · 4.125%
HK$21,208
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,416/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$604/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,634
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$756/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,998
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,356
−HK$725/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,939
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$883/mo
Today · 4.125%
HK$29,691
baseline
▲ 0.50% · 4.625%
HK$31,498
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,382/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,082
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$846/mo
Today · 4.125%
HK$32,761
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,522/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$1,135/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,087/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,555 · 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).