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$19,690
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$623/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$596/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$747/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,637
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,286
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$715/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,166
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,566
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$872/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$31,077
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$835/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$1,120/mo
Today · 4.125%
HK$37,664
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,292/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,328/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,073/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$43,750
+HK$2,191/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,049 · 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).