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$18,652
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$589/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$565/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,382
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$708/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$677/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$825/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$790/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$1,061/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,850
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,350
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,016/mo
Today · 4.125%
HK$39,368
baseline
▲ 0.50% · 4.625%
HK$41,443
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,736/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,392 · 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).