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$19,481
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$616/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$589/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,377
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$738/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$707/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$862/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,748
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$826/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,066
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$1,108/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$2,268/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,061/mo
Today · 4.125%
HK$41,118
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,168/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,236/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,303 · 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).