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$19,935
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$630/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,178
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$603/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$756/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$724/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$883/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,049
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$844/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$1,134/mo
Today · 4.125%
HK$38,134
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,268/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,086/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,277 · 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).