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$19,525
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$617/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$591/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$741/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$709/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,186
−HK$864/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$827/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$1,111/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$2,272/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,099
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,148
−HK$1,064/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,384
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,884 · 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).