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$19,679
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$622/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,272/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$595/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$746/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$715/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$871/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$31,059
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,471
−HK$834/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$1,119/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,463
−HK$1,072/mo
Today · 4.125%
HK$41,535
baseline
▲ 0.50% · 4.625%
HK$43,725
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,070/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,903 · 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).