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$19,278
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$609/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,734
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,447
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,022
−HK$584/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,134
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,736
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$700/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$853/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,831
−HK$817/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$1,096/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$2,244/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,050/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,145/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,636 · 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).