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$19,330
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,932
−HK$611/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$585/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,197
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$733/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,806
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$702/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,634
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,063
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$856/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,107
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$820/mo
Today · 4.125%
HK$31,734
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,468/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,795
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$1,100/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$39,227
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,709
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,053/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$42,951
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,320 · 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).