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$19,696
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$622/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,911
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$596/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$747/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$715/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$871/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$834/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$1,121/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,968
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,073/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,192/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,128 · 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).