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$19,841
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$627/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$600/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$752/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,842
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,198
−HK$720/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$878/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$840/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$1,129/mo
Today · 4.125%
HK$37,953
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,906/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,731
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,081/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,034 · 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).