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$19,037
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$601/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,179
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$576/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,500
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$722/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,415
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$692/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$843/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$806/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,648/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$1,083/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$2,216/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,122
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,038/mo
Today · 4.125%
HK$40,182
baseline
▲ 0.50% · 4.625%
HK$42,300
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,364/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,464 · 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).