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$19,646
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$621/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$595/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,575
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,309
−HK$745/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,227
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$713/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,102
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$869/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,779/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$833/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,463
−HK$1,118/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$2,286/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,071/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,652
+HK$2,185/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,474 · 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).