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$18,539
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,198/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$561/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,247
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,939
−HK$703/mo
Today · 4.125%
HK$23,642
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,284/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$674/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$820/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$785/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$1,055/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,124
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,120
−HK$1,010/mo
Today · 4.125%
HK$39,130
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,260/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,908 · 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).