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$18,789
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$594/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$569/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,193
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,547
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$713/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$682/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$831/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,655
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$797/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,470
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,820
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$1,069/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,625
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,023/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,196 · 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).