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$19,534
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,142
−HK$617/mo
Today · 4.125%
HK$20,759
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,518/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,732
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$592/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,113
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,441
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$741/mo
Today · 4.125%
HK$24,911
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,822/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$710/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$865/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,831
+HK$1,768/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$828/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$33,758
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,111/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,064/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,000 · 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).