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$18,909
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$598/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,036
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$572/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$717/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,244
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$686/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,296
−HK$837/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$801/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,037
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$1,076/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,372
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,865
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,030/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,015
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,778 · 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).