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$19,624
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$620/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$594/mo
Today · 4.125%
HK$23,012
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,024/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,549
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,282
−HK$744/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,549
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,198
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$713/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$868/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,565
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,385
−HK$831/mo
Today · 4.125%
HK$32,216
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,432/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$1,116/mo
Today · 4.125%
HK$37,539
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,078/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,298
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,069/mo
Today · 4.125%
HK$41,421
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,842/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,188 · 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).