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$19,296
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$610/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,753
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$584/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$732/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$701/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,854
−HK$854/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$817/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,346
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,732
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,813
−HK$1,097/mo
Today · 4.125%
HK$36,910
baseline
▲ 0.50% · 4.625%
HK$39,156
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,820/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,639
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,051/mo
Today · 4.125%
HK$40,727
baseline
▲ 0.50% · 4.625%
HK$42,874
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,454/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,862 · 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).