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$19,730
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$623/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$597/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$748/mo
Today · 4.125%
HK$25,161
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,322/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$717/mo
Today · 4.125%
HK$27,763
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,526/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$836/mo
Today · 4.125%
HK$32,390
baseline
▲ 0.50% · 4.625%
HK$34,097
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,780/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$1,122/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,075/mo
Today · 4.125%
HK$41,644
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,288/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,578 · 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).