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$18,805
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,390
−HK$594/mo
Today · 4.125%
HK$19,984
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,968/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$569/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,566
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,268
−HK$713/mo
Today · 4.125%
HK$23,981
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,962/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$683/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$27,856
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$832/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,289
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$797/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,498
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$1,070/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,657
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,024/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$41,784
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,409 · 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).