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$19,643
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$621/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$594/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$745/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$713/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,097
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$833/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$1,118/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,335
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,070/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,645
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,433 · 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).