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$18,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$594/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,217/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$569/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$714/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$683/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,336
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$832/mo
Today · 4.125%
HK$27,988
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,976/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$797/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,628/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$1,070/mo
Today · 4.125%
HK$35,984
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$2,190/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,968/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,025/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,495 · 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).