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$18,396
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$581/mo
Today · 4.125%
HK$19,549
baseline
▲ 0.50% · 4.625%
HK$20,739
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,098/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$557/mo
Today · 4.125%
HK$21,571
baseline
▲ 0.50% · 4.625%
HK$22,708
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,142/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$698/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,558
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$668/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$814/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,651
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$780/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$1,047/mo
Today · 4.125%
HK$35,189
baseline
▲ 0.50% · 4.625%
HK$37,330
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,378/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,837
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,825
−HK$1,002/mo
Today · 4.125%
HK$38,827
baseline
▲ 0.50% · 4.625%
HK$40,874
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,654/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,021 · 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).