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$19,494
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$616/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,261/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$590/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,393
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$739/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,720/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,024
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$708/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$28,876
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$862/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$826/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,689
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,089
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$1,109/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$2,269/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,036
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,083
−HK$1,062/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,169/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,472 · 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).