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$18,464
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,038
−HK$584/mo
Today · 4.125%
HK$19,622
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$558/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,156
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,846
−HK$700/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,649
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$671/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,653
−HK$817/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,757
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$783/mo
Today · 4.125%
HK$30,311
baseline
▲ 0.50% · 4.625%
HK$31,908
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,622/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$1,050/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,965
−HK$1,006/mo
Today · 4.125%
HK$38,971
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,942/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,917 · 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).