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$18,773
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$593/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$568/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$712/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,397
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,062
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$682/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$830/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$796/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,792
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$1,068/mo
Today · 4.125%
HK$35,911
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,822/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,593
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,023/mo
Today · 4.125%
HK$39,624
baseline
▲ 0.50% · 4.625%
HK$41,712
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,248/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,987 · 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).