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$19,712
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$623/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,930
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$597/mo
Today · 4.125%
HK$23,115
baseline
▲ 0.50% · 4.625%
HK$24,333
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,230/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,391
−HK$747/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,316
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,021
−HK$716/mo
Today · 4.125%
HK$27,737
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,474/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$872/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,702
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$835/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,482
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,586
−HK$1,121/mo
Today · 4.125%
HK$37,707
baseline
▲ 0.50% · 4.625%
HK$40,002
+HK$2,295/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,414/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,474
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,532
−HK$1,074/mo
Today · 4.125%
HK$41,606
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,212/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,344 · 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).