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$18,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,365
−HK$593/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$568/mo
Today · 4.125%
HK$22,022
baseline
▲ 0.50% · 4.625%
HK$23,183
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,044/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$712/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$682/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$831/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$796/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$1,068/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$38,111
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,608
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,616
−HK$1,024/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$41,729
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,086 · 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).