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$18,978
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,568
−HK$600/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$575/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$720/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$689/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,569
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$839/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,558
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$804/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,161
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,223
−HK$1,080/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,003
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,033/mo
Today · 4.125%
HK$40,056
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,112/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,684 · 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).