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$19,307
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$610/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$584/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,889
−HK$732/mo
Today · 4.125%
HK$24,621
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,242/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$701/mo
Today · 4.125%
HK$27,167
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,334/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,870
−HK$854/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,472
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$819/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,752
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$1,098/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$39,179
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,698
−HK$1,052/mo
Today · 4.125%
HK$40,750
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,500/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,008 · 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).