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$19,470
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$616/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$589/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$739/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$861/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$825/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,046
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$1,107/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,061/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,153 · 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).