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$19,910
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$629/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$602/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$755/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,935
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,580
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$724/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$881/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$844/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$1,132/mo
Today · 4.125%
HK$38,085
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,170/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,869
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,084/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,238
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,944 · 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).