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$18,731
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$592/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$567/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$710/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$681/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,746
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$829/mo
Today · 4.125%
HK$27,868
baseline
▲ 0.50% · 4.625%
HK$29,564
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,736/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,173
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$794/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$1,065/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,020/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,435 · 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).