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$18,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$591/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$566/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$680/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$827/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,520
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$793/mo
Today · 4.125%
HK$30,704
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,408/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,713
−HK$1,064/mo
Today · 4.125%
HK$35,777
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,554/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,453
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,457
−HK$1,019/mo
Today · 4.125%
HK$39,476
baseline
▲ 0.50% · 4.625%
HK$41,557
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,952/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,067 · 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).