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$19,414
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$614/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,597
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,177
−HK$587/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$736/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$705/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$859/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,641
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$823/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,550
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$1,105/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,395
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,918
−HK$1,058/mo
Today · 4.125%
HK$40,976
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,952/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,413 · 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).