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$19,778
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,393
−HK$625/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$598/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,733
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$750/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,403
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$719/mo
Today · 4.125%
HK$27,830
baseline
▲ 0.50% · 4.625%
HK$29,297
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,660/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,689
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,550
−HK$875/mo
Today · 4.125%
HK$29,425
baseline
▲ 0.50% · 4.625%
HK$31,216
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,850/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,630
−HK$838/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,707
−HK$1,126/mo
Today · 4.125%
HK$37,833
baseline
▲ 0.50% · 4.625%
HK$40,135
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,666/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,605
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,667
−HK$1,077/mo
Today · 4.125%
HK$41,744
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,488/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,206 · 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).