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$19,974
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$631/mo
Today · 4.125%
HK$21,227
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,454/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,221
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$605/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,656
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$757/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$27,022
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,381
−HK$725/mo
Today · 4.125%
HK$28,106
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,212/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$884/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$846/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$1,136/mo
Today · 4.125%
HK$38,208
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,416/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,998
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,071
−HK$1,088/mo
Today · 4.125%
HK$42,159
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,318/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,790 · 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).