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$19,295
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$610/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$584/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$23,817
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,154
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$732/mo
Today · 4.125%
HK$24,606
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,212/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$701/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,013
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$854/mo
Today · 4.125%
HK$28,707
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,414/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$818/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$1,097/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,051/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$42,871
+HK$2,146/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,850 · 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).