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$19,978
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$631/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$605/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$757/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,551/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$726/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$884/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,532
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$846/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$1,136/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,089/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,844 · 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).