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$18,860
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$596/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,544
−HK$571/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$715/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,515
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$685/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$835/mo
Today · 4.125%
HK$28,060
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,120/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$799/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$1,073/mo
Today · 4.125%
HK$36,077
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,154/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,028/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,129 · 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).