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$18,332
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$579/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,395
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$554/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,630
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,999
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$695/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,801
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,474
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$666/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,359/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$811/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$777/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,681
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,025
−HK$1,043/mo
Today · 4.125%
HK$35,068
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$2,133/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,136/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$999/mo
Today · 4.125%
HK$38,694
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,039/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,388/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,189 · 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).