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$18,285
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$578/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,614
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,341
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$553/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,624
−HK$693/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,410
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$665/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,655/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$775/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,582/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$1,040/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$37,104
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,615
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,597
−HK$996/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,561 · 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).