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$19,610
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,220
−HK$620/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$594/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$744/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$713/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,454
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$868/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$831/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$1,116/mo
Today · 4.125%
HK$37,512
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,024/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,269
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,069/mo
Today · 4.125%
HK$41,391
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,782/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,000 · 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).