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$20,020
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$633/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$606/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$759/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$727/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$886/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$848/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$1,139/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,091
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,166
−HK$1,091/mo
Today · 4.125%
HK$42,257
baseline
▲ 0.50% · 4.625%
HK$44,484
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,514/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,398 · 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).