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$19,043
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$601/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,469
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,185
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$576/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$722/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$692/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,661
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$842/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$30,056
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,455
−HK$807/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$1,083/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,134
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,038/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,541 · 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).