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$18,542
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$586/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$561/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$703/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$673/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$820/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$786/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$1,054/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,010/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,953 · 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).