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$19,699
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$623/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$596/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$747/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$715/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$871/mo
Today · 4.125%
HK$29,307
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,614/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,680
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$835/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,042
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,457
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$1,121/mo
Today · 4.125%
HK$37,681
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,293/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,362/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,446
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,073/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,192/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,163 · 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).