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$18,862
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$596/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$571/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,283
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,634
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$716/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,517
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,856
−HK$685/mo
Today · 4.125%
HK$26,541
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,082/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,228
−HK$834/mo
Today · 4.125%
HK$28,062
baseline
▲ 0.50% · 4.625%
HK$29,770
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,124/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,377
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,165
−HK$799/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,007
−HK$1,073/mo
Today · 4.125%
HK$36,080
baseline
▲ 0.50% · 4.625%
HK$38,276
+HK$2,196/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,160/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,783
−HK$1,028/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$41,910
+HK$2,099/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,154 · 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).