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$19,336
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$612/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,799
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$585/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$23,868
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$733/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$702/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,642
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$856/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,518
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,116
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$820/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,805
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$1,100/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,054/mo
Today · 4.125%
HK$40,812
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,624/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,393 · 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).