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$19,846
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,464
−HK$627/mo
Today · 4.125%
HK$21,091
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,182/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,079
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$601/mo
Today · 4.125%
HK$23,272
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,544/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,816
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$753/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,495
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$721/mo
Today · 4.125%
HK$27,926
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,852/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$878/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$841/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,723
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$1,129/mo
Today · 4.125%
HK$37,964
baseline
▲ 0.50% · 4.625%
HK$40,274
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,928/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,081/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,097
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,107 · 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).