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$18,322
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,892
−HK$579/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$555/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,617
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$695/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$666/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,141
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$811/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,919
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,537
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,302
−HK$777/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,980
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,006
−HK$1,042/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$37,181
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,690
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$998/mo
Today · 4.125%
HK$38,672
baseline
▲ 0.50% · 4.625%
HK$40,711
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,344/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,057 · 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).