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$20,006
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$632/mo
Today · 4.125%
HK$21,260
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,520/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$605/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$759/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$27,064
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,707
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$727/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,008
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$885/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,575
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,158
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$848/mo
Today · 4.125%
HK$32,842
baseline
▲ 0.50% · 4.625%
HK$34,573
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,684/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,010
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,130
−HK$1,138/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,597
+HK$2,329/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,090/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,226/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,202 · 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).