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$19,069
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$602/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,498
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,530/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$578/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,883
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$723/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$693/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,247
+HK$1,414/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$843/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$808/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$1,084/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,210
−HK$1,039/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,885 · 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).