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$18,614
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$588/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$563/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,031
−HK$706/mo
Today · 4.125%
HK$23,737
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,444/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,474/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,849
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,515
−HK$677/mo
Today · 4.125%
HK$26,192
baseline
▲ 0.50% · 4.625%
HK$27,572
+HK$1,380/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,384/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$823/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$789/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,505
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$1,059/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,772
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,014/mo
Today · 4.125%
HK$39,287
baseline
▲ 0.50% · 4.625%
HK$41,358
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,574/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,890 · 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).