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$19,987
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$632/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$605/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$758/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$726/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$884/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$847/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,095
−HK$1,137/mo
Today · 4.125%
HK$38,232
baseline
▲ 0.50% · 4.625%
HK$40,558
+HK$2,326/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,464/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,089/mo
Today · 4.125%
HK$42,185
baseline
▲ 0.50% · 4.625%
HK$44,409
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,370/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,954 · 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).