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$18,681
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$591/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$566/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,418
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$708/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$679/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,672
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$827/mo
Today · 4.125%
HK$27,794
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,588/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$792/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,284
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,626
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$1,063/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,409
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,412
−HK$1,018/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,508
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,779 · 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).