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$18,390
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$582/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,459
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$556/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,068
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$697/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$668/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$814/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$779/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$1,047/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$2,140/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,826
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,002/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,046/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,952 · 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).