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$19,927
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$603/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,912
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,656
−HK$756/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$723/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,517
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$882/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,036
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$845/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$1,134/mo
Today · 4.125%
HK$38,118
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,319/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,236/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,903
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,085/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,167 · 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).