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$19,448
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$615/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$589/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$737/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,310
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,963
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$707/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,227
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$861/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,695
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$824/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,007
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$1,106/mo
Today · 4.125%
HK$37,202
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,404/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,060/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,212
+HK$2,163/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,869 · 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).