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$19,252
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$608/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$582/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$730/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$699/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$852/mo
Today · 4.125%
HK$28,643
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,286/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$816/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$1,095/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$39,067
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,551
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,585
−HK$1,049/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$42,776
+HK$2,142/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,284 · 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).