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$19,940
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$630/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$603/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$756/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$725/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,784
−HK$882/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$845/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$1,134/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,463
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,929
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,086/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,305
+HK$2,219/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,336 · 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).