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$19,676
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$622/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,273/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$595/mo
Today · 4.125%
HK$23,072
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,217/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,144/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,612
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$746/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$715/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,547
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,404
−HK$870/mo
Today · 4.125%
HK$29,274
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,548/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,646
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,468
−HK$833/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,004
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$1,119/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,402
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,072/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,871 · 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).