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$18,794
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$594/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,188
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,908
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$569/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$712/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,090
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$683/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$832/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,272
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$796/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$1,069/mo
Today · 4.125%
HK$35,951
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,902/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,635
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,023/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,266 · 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).