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$18,571
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$587/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,472/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$562/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$704/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$675/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$821/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$787/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,428
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$1,057/mo
Today · 4.125%
HK$35,525
baseline
▲ 0.50% · 4.625%
HK$37,686
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,050/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,189
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,186
−HK$1,012/mo
Today · 4.125%
HK$39,198
baseline
▲ 0.50% · 4.625%
HK$41,264
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,396/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,333 · 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).