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$18,651
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$589/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,640/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$565/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,077
−HK$707/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$678/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$826/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$791/mo
Today · 4.125%
HK$30,618
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,236/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$1,061/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,348
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,016/mo
Today · 4.125%
HK$39,366
baseline
▲ 0.50% · 4.625%
HK$41,441
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,732/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,379 · 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).