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$19,173
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$606/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$581/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$727/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$696/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$848/mo
Today · 4.125%
HK$28,525
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,050/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$812/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,134
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,511
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$1,091/mo
Today · 4.125%
HK$36,675
baseline
▲ 0.50% · 4.625%
HK$38,906
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,350/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,393
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,044/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,244 · 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).