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$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$630/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,157
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$603/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$756/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$724/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,883
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$881/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$844/mo
Today · 4.125%
HK$32,696
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,392/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$1,133/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,085/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,031 · 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).