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$19,836
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$627/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$601/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$752/mo
Today · 4.125%
HK$25,296
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,592/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$721/mo
Today · 4.125%
HK$27,912
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,824/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$878/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,894
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$841/mo
Today · 4.125%
HK$32,564
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,128/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$1,128/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,787
−HK$1,080/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,972 · 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).