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$19,962
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$631/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,505
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,208
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,804
−HK$604/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,642
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$757/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$725/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$883/mo
Today · 4.125%
HK$29,700
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,400/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,925
−HK$846/mo
Today · 4.125%
HK$32,771
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,542/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$1,136/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,088/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,634 · 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).