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$18,270
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$577/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,597
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,325
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$553/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$692/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,716
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$663/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,063
+HK$1,356/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,578
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$808/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$774/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$1,040/mo
Today · 4.125%
HK$34,948
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,896/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,585
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,566
−HK$995/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,594
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,364 · 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).