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$18,948
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$573/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,738
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$718/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,471/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$688/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$839/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$1,078/mo
Today · 4.125%
HK$36,245
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,490/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,943
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,033/mo
Today · 4.125%
HK$39,993
baseline
▲ 0.50% · 4.625%
HK$42,101
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,986/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,287 · 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).