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$18,282
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$578/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,339
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,884
−HK$554/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,568
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$694/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,407
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$664/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$809/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,655/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$775/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$1,040/mo
Today · 4.125%
HK$34,972
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,944/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,610
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,592
−HK$996/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,622
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,531 · 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).