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$19,832
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$627/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$600/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,799
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$752/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$720/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$877/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,889
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$840/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,809
−HK$1,128/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,714
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,080/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,923 · 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).