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$18,838
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$595/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,957
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$570/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$714/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$684/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,398/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,373
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$833/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,340
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$798/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$1,072/mo
Today · 4.125%
HK$36,035
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,070/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,026/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,842 · 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).