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$19,082
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$603/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,512
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,228
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$577/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,180/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$724/mo
Today · 4.125%
HK$24,334
baseline
▲ 0.50% · 4.625%
HK$25,815
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,668/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$693/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,266
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$845/mo
Today · 4.125%
HK$28,390
baseline
▲ 0.50% · 4.625%
HK$30,117
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,780/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$808/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,650/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,416
−HK$1,085/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,039/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,398
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,049 · 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).