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$19,661
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$621/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$595/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,593
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$746/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$714/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$870/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,622
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$833/mo
Today · 4.125%
HK$32,276
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,552/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,390
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,491
−HK$1,118/mo
Today · 4.125%
HK$37,609
baseline
▲ 0.50% · 4.625%
HK$39,898
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,218/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,371
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,427
−HK$1,071/mo
Today · 4.125%
HK$41,498
baseline
▲ 0.50% · 4.625%
HK$43,686
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,996/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,670 · 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).