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$19,767
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$624/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,279/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$598/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$750/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$718/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$875/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$838/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,580
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,687
−HK$1,124/mo
Today · 4.125%
HK$37,811
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,622/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,644
−HK$1,077/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$43,920
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,060 · 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).