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$19,147
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$605/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,301
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$579/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,692
−HK$726/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$696/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,806
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,640
−HK$847/mo
Today · 4.125%
HK$28,487
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,974/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$811/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,465
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,537
−HK$1,090/mo
Today · 4.125%
HK$36,627
baseline
▲ 0.50% · 4.625%
HK$38,855
+HK$2,228/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,254/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,342
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,371
−HK$1,043/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,828/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,911 · 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).