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$18,518
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$585/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$560/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$702/mo
Today · 4.125%
HK$23,615
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,230/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,721
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$673/mo
Today · 4.125%
HK$26,057
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,114/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,925
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$819/mo
Today · 4.125%
HK$27,551
baseline
▲ 0.50% · 4.625%
HK$29,227
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,102/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$785/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,369
−HK$1,054/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,076
−HK$1,009/mo
Today · 4.125%
HK$39,085
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,170/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,631 · 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).