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$19,692
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$622/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$596/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$747/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,288
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$715/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,461/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,568
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$871/mo
Today · 4.125%
HK$29,297
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,594/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,669
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,492
−HK$834/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,030
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$1,121/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,960
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,072/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,071 · 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).