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$18,633
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$589/mo
Today · 4.125%
HK$19,801
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,602/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$564/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$706/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$677/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,086
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$824/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,408
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$790/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,539
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$1,060/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,810
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,312
−HK$1,015/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,138 · 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).