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$18,845
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$595/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$570/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$715/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$685/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,397/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$834/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$798/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$1,072/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$2,194/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,027/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,939 · 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).