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$18,744
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$593/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$568/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$711/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,024
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$680/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$830/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,585
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$794/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$1,067/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,021/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,609 · 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).