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$18,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$591/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$565/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$709/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$679/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$827/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$793/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,696
−HK$1,063/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,434
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,019/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,536
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,945 · 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).