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$19,267
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$609/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,434
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$583/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,191/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$731/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$700/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$853/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$817/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,759
−HK$1,096/mo
Today · 4.125%
HK$36,855
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,710/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,049/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$42,809
+HK$2,144/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,479 · 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).