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$18,281
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$578/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$554/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,619
−HK$693/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$664/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$809/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,655/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,472
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,235
−HK$775/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,582/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$1,039/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,607
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$996/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,618
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,507 · 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).