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$19,840
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$627/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$601/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$752/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,840
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,486
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$720/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,388
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$878/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$840/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,286
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,822
−HK$1,129/mo
Today · 4.125%
HK$37,951
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,902/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,728
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,794
−HK$1,081/mo
Today · 4.125%
HK$41,875
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,750/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,018 · 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).