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$19,831
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$626/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$600/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,797
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$752/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,828
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,474
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,184
−HK$720/mo
Today · 4.125%
HK$27,904
baseline
▲ 0.50% · 4.625%
HK$29,375
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,808/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$877/mo
Today · 4.125%
HK$29,504
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,008/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$841/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,271
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$1,128/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$40,242
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,711
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,776
−HK$1,080/mo
Today · 4.125%
HK$41,856
baseline
▲ 0.50% · 4.625%
HK$44,062
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,712/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,901 · 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).