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$18,970
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$600/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$574/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$720/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$689/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,558
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$840/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$804/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$1,079/mo
Today · 4.125%
HK$36,287
baseline
▲ 0.50% · 4.625%
HK$38,495
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,574/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,006
−HK$1,034/mo
Today · 4.125%
HK$40,040
baseline
▲ 0.50% · 4.625%
HK$42,150
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,080/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,579 · 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).