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$18,528
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$586/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,165
−HK$561/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$703/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$673/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,746
−HK$820/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,857
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,631
−HK$785/mo
Today · 4.125%
HK$30,416
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,832/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,054/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$2,156/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,097
−HK$1,009/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,761 · 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).