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$19,730
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$624/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,949
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$597/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$748/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$717/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,513
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,618
−HK$1,122/mo
Today · 4.125%
HK$37,740
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,480/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,508
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,075/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$43,838
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,572 · 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).