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$19,759
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$625/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$598/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,711
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$749/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$718/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,662
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$874/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,599
−HK$838/mo
Today · 4.125%
HK$32,437
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,874/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,567
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,076/mo
Today · 4.125%
HK$41,704
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,408/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,956 · 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).