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$19,477
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$615/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$590/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,100
−HK$738/mo
Today · 4.125%
HK$24,838
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,676/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,699
−HK$707/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$862/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$825/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$1,108/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,061/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,249 · 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).