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$19,334
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$611/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,797
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$585/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$733/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$702/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$855/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$820/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$1,100/mo
Today · 4.125%
HK$36,984
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,968/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,716
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,053/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$42,959
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,369 · 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).