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$20,001
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$632/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$606/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$759/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$27,058
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$726/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,627
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$885/mo
Today · 4.125%
HK$29,757
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,514/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$848/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$1,138/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,328/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,090/mo
Today · 4.125%
HK$42,215
baseline
▲ 0.50% · 4.625%
HK$44,440
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,430/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,136 · 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).