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$18,871
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$597/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,994
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$572/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$716/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$685/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$835/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$800/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$1,074/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,028/mo
Today · 4.125%
HK$39,831
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,662/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,281 · 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).