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$19,555
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$618/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,755
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$591/mo
Today · 4.125%
HK$22,930
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,860/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$742/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,106
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$711/mo
Today · 4.125%
HK$27,517
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,034/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$865/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,865
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,274
−HK$829/mo
Today · 4.125%
HK$32,103
baseline
▲ 0.50% · 4.625%
HK$33,795
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,206/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,200
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,294
−HK$1,113/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,159
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,209
−HK$1,066/mo
Today · 4.125%
HK$41,275
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,175/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,550/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,278 · 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).