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$18,901
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$598/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$572/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,682
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$717/mo
Today · 4.125%
HK$24,104
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,208/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,910
−HK$686/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$836/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$801/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,023
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$1,075/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,356
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,850
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,030/mo
Today · 4.125%
HK$39,895
baseline
▲ 0.50% · 4.625%
HK$41,998
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,790/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,675 · 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).