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$19,475
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$615/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$589/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$739/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$708/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,113
−HK$862/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$825/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,055
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$1,108/mo
Today · 4.125%
HK$37,253
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,506/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,998
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,044
−HK$1,061/mo
Today · 4.125%
HK$41,105
baseline
▲ 0.50% · 4.625%
HK$43,272
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,210/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,222 · 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).