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$19,537
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$617/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,264/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$591/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,208/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,445
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$741/mo
Today · 4.125%
HK$24,915
baseline
▲ 0.50% · 4.625%
HK$26,431
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,830/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,082
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$709/mo
Today · 4.125%
HK$27,491
baseline
▲ 0.50% · 4.625%
HK$28,940
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,982/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,352
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$864/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,429
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$828/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,167
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,261
−HK$1,111/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,123
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,065/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,042 · 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).