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$19,977
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$631/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$604/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,659
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$757/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$725/mo
Today · 4.125%
HK$28,109
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,218/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$884/mo
Today · 4.125%
HK$29,721
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,442/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,948
−HK$846/mo
Today · 4.125%
HK$32,794
baseline
▲ 0.50% · 4.625%
HK$34,523
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,588/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$1,137/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,003
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,076
−HK$1,088/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,223/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,821 · 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).