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$18,490
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$585/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,570
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$560/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$702/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$672/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$818/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$783/mo
Today · 4.125%
HK$30,354
baseline
▲ 0.50% · 4.625%
HK$31,954
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,708/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,318
−HK$1,052/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,008/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,266 · 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).