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$19,105
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$603/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$578/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,926
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$724/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$694/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$846/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$30,154
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,554
−HK$810/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,390
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$1,087/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,770
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,258
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,041/mo
Today · 4.125%
HK$40,325
baseline
▲ 0.50% · 4.625%
HK$42,451
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,650/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,358 · 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).