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$19,233
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$607/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,683
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,397
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$582/mo
Today · 4.125%
HK$22,553
baseline
▲ 0.50% · 4.625%
HK$23,742
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,106/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$729/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$698/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,764
−HK$851/mo
Today · 4.125%
HK$28,615
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,230/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$815/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,238
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,620
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,697
−HK$1,094/mo
Today · 4.125%
HK$36,791
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$2,239/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,582/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,048/mo
Today · 4.125%
HK$40,595
baseline
▲ 0.50% · 4.625%
HK$42,735
+HK$2,140/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,190/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,042 · 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).