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$19,252
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$609/mo
Today · 4.125%
HK$20,460
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,920/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,418
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$582/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,765
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$730/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$699/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$852/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,387
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,790
−HK$815/mo
Today · 4.125%
HK$31,605
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,210/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,732
−HK$1,096/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,587
−HK$1,049/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$42,777
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,293 · 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).