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$19,901
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$629/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$603/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$755/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,567
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$723/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$880/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,995
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$843/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$1,132/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,384
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,851
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,084/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,218
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,824 · 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).