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$19,154
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$605/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$580/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$726/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,256
−HK$696/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$847/mo
Today · 4.125%
HK$28,497
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,994/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$812/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$1,090/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,043/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,001 · 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).