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$19,599
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$619/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$594/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$744/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$712/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,292
−HK$867/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,525
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$830/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$33,870
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,278
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$1,115/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,299
−HK$1,068/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,180/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,852 · 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).