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$18,981
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$600/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$575/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$719/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,678
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$689/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$840/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,355
−HK$805/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$1,080/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,009
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,034/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,174
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,721 · 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).