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$18,809
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$595/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$569/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$713/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$684/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,333
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$832/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,295
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,081
−HK$797/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$1,070/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,665
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,025/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,461 · 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).