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$18,937
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$598/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$573/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,725
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$718/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$688/mo
Today · 4.125%
HK$26,647
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,294/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,512
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$838/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$802/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,148
−HK$1,077/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,429
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,922
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,032/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,078
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,150 · 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).