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$19,712
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$623/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$597/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,654
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$747/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$872/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$835/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$1,121/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,472
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,531
−HK$1,074/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$43,798
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,334 · 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).