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$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$593/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,213/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$568/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$712/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$682/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$831/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$795/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$1,068/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,023/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,919 · 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).