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$18,904
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$598/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,222/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$572/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$717/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,466/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,237
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,914
−HK$686/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,289
−HK$837/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$801/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,670
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,028
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,075/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,871
−HK$1,029/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,712 · 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).