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$18,501
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$585/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,134
−HK$560/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$701/mo
Today · 4.125%
HK$23,593
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,186/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$672/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,901
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$818/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,588
−HK$784/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,302
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$1,053/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,048
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,041
−HK$1,008/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,059/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,406 · 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).