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$18,850
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$596/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,251
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$570/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,269
+HK$1,166/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$715/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$685/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$834/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$799/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,930
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$1,073/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$38,252
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,747
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,759
−HK$1,027/mo
Today · 4.125%
HK$39,786
baseline
▲ 0.50% · 4.625%
HK$41,883
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,572/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,999 · 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).