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$19,548
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$618/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$592/mo
Today · 4.125%
HK$22,922
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,844/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$742/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,446
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$711/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,446
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$828/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$33,782
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$1,112/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,065/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,185 · 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).