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$20,024
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$633/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,276
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$607/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,717
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,776
−HK$759/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$27,089
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,731
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$727/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,661
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$886/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$848/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$1,139/mo
Today · 4.125%
HK$38,303
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,606/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,097
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,091/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,439 · 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).