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$18,305
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$578/mo
Today · 4.125%
HK$19,453
baseline
▲ 0.50% · 4.625%
HK$20,637
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,906/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,365
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,911
−HK$554/mo
Today · 4.125%
HK$21,465
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,930/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,967
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$694/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,438
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$665/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,628
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$810/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,892
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,510
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$776/mo
Today · 4.125%
HK$30,051
baseline
▲ 0.50% · 4.625%
HK$31,635
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,102/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$1,041/mo
Today · 4.125%
HK$35,016
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,032/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$998/mo
Today · 4.125%
HK$38,637
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,036/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,274/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,834 · 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).