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$18,499
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$585/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$560/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$702/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,435/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$672/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$819/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$784/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,334
−HK$1,052/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,540
+HK$2,154/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,008/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,382 · 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).