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$20,007
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$632/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$606/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,009
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$758/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$727/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$885/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$848/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,013
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,134
−HK$1,138/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,600
+HK$2,328/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,064
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,139
−HK$1,090/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,226/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,226 · 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).