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$19,732
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,346
−HK$623/mo
Today · 4.125%
HK$20,969
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,938/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$598/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,678
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,415
−HK$748/mo
Today · 4.125%
HK$25,163
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,326/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,342
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$716/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,625
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$873/mo
Today · 4.125%
HK$29,357
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,714/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,732
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$836/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,518
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$1,122/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,513
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,075/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$43,843
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,604 · 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).