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$18,311
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,881
−HK$579/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,371
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$555/mo
Today · 4.125%
HK$21,472
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,944/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,974
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$694/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$665/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$810/mo
Today · 4.125%
HK$27,243
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,486/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,284
−HK$776/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,645
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,960
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$1,041/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$998/mo
Today · 4.125%
HK$38,649
baseline
▲ 0.50% · 4.625%
HK$40,686
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,298/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,912 · 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).