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$19,118
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$604/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,553
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,269
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$579/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,942
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$725/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,864
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$695/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$846/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$810/mo
Today · 4.125%
HK$31,385
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,770/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$1,088/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,796
+HK$2,225/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,284
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,041/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,127/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,529 · 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).