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$18,947
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$599/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$574/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$719/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$688/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$839/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,509
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$802/mo
Today · 4.125%
HK$31,103
baseline
▲ 0.50% · 4.625%
HK$32,743
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,206/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,104
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,165
−HK$1,078/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,448
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,940
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,032/mo
Today · 4.125%
HK$39,990
baseline
▲ 0.50% · 4.625%
HK$42,098
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,980/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,271 · 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).