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$18,980
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$599/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$574/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$719/mo
Today · 4.125%
HK$24,204
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,408/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$689/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$840/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$804/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,164
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,227
−HK$1,080/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,034/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,711 · 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).