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$19,196
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$607/mo
Today · 4.125%
HK$20,400
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,800/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,355
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$581/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,696
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$728/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$697/mo
Today · 4.125%
HK$27,011
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,022/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$850/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,298
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,898
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$814/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,553
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$1,092/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,954
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,046/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,135/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,552 · 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).