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$18,977
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$600/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$574/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$720/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$689/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$840/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$804/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$1,080/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,020
−HK$1,034/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,671 · 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).