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$19,215
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$607/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$582/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$728/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,996
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,652
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$698/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$851/mo
Today · 4.125%
HK$28,589
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,178/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,928
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$815/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,207
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$1,093/mo
Today · 4.125%
HK$36,757
baseline
▲ 0.50% · 4.625%
HK$38,993
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,514/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,479
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,511
−HK$1,046/mo
Today · 4.125%
HK$40,557
baseline
▲ 0.50% · 4.625%
HK$42,695
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,114/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,807 · 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).