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$19,788
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$625/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$599/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$750/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$718/mo
Today · 4.125%
HK$27,844
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,688/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$876/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$839/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,619
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$1,125/mo
Today · 4.125%
HK$37,852
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,704/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,626
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,688
−HK$1,078/mo
Today · 4.125%
HK$41,766
baseline
▲ 0.50% · 4.625%
HK$43,968
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,532/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,343 · 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).