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$18,466
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$584/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$559/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$701/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,982
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$671/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,353
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$782/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,050/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,472
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,947 · 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).