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$18,919
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$597/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$572/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,703
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$717/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,595
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,257
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$687/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$837/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$802/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$1,076/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,031/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,907 · 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).