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$18,834
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,420
−HK$595/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,233
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$570/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$714/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,479
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,036/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$684/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$833/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$798/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,548
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$1,072/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$38,219
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,714
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,026/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$41,847
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,786 · 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).