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$18,397
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$582/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,466
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$557/mo
Today · 4.125%
HK$21,572
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,144/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$698/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,888
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$669/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$814/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$780/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,115
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$1,046/mo
Today · 4.125%
HK$35,191
baseline
▲ 0.50% · 4.625%
HK$37,332
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,382/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,840
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,002/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,039 · 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).