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$18,531
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$586/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$561/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$702/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$673/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$820/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$786/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,024
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$1,054/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,107
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,009/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,799 · 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).