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$19,164
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$605/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$580/mo
Today · 4.125%
HK$22,471
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,942/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$726/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$696/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$848/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$812/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,494
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$1,090/mo
Today · 4.125%
HK$36,657
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$2,231/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,314/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,375
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,044/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,124 · 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).