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$19,107
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$604/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$579/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$725/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$694/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,750
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$845/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,759
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$809/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,392
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,462
−HK$1,087/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,041/mo
Today · 4.125%
HK$40,328
baseline
▲ 0.50% · 4.625%
HK$42,454
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,656/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,379 · 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).