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$19,344
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$611/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$586/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$734/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$702/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$856/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$820/mo
Today · 4.125%
HK$31,756
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,512/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$1,100/mo
Today · 4.125%
HK$37,003
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$74,006/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,054/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,500 · 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).