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$18,886
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$597/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,291
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,010
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$572/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,312
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$716/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,549
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$686/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,440
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$836/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,807
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$800/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,994
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$1,075/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,029/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$41,962
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,722/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,466 · 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).