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$19,641
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$621/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$594/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$745/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$713/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,353
−HK$869/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,411
−HK$833/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$33,943
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,117/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,331
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,070/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,641
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,409 · 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).