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$18,911
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$597/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,320
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$572/mo
Today · 4.125%
HK$22,175
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,350/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$717/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$687/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$836/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,454
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$802/mo
Today · 4.125%
HK$31,046
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,092/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,099
−HK$1,076/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,885
−HK$1,031/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,020
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,807 · 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).