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$19,078
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$603/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,508
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,224
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$577/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,550
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,606
−HK$723/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$693/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,709
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,540
−HK$844/mo
Today · 4.125%
HK$28,384
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,768/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,714
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$808/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$32,970
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$1,085/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,228
−HK$1,040/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,001 · 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).