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$18,381
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$581/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$556/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$697/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,538
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$668/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,227
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$813/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,627
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$779/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,085
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$1,046/mo
Today · 4.125%
HK$35,160
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,320/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,807
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,001/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$40,840
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,823 · 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).