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$18,310
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$579/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$555/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$694/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$665/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$810/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$776/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$1,041/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,649
−HK$998/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,899 · 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).