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$19,963
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$631/mo
Today · 4.125%
HK$21,215
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,430/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$604/mo
Today · 4.125%
HK$23,409
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,818/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$757/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,651
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$725/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$883/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,093
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$846/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,500
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$1,135/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,324/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,088/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,647 · 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).