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$19,276
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$609/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,731
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$584/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$700/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$853/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$1,096/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$39,116
+HK$2,244/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,050/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$42,830
+HK$2,145/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,602 · 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).