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$19,717
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$623/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,935
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$597/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,339
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,660
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,396
−HK$748/mo
Today · 4.125%
HK$25,144
baseline
▲ 0.50% · 4.625%
HK$26,674
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,288/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$716/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$873/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$836/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$1,122/mo
Today · 4.125%
HK$37,716
baseline
▲ 0.50% · 4.625%
HK$40,011
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,432/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,483
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,542
−HK$1,074/mo
Today · 4.125%
HK$41,616
baseline
▲ 0.50% · 4.625%
HK$43,809
+HK$2,193/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,232/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,403 · 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).