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$18,453
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$583/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$558/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,143
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$700/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$670/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,834
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$817/mo
Today · 4.125%
HK$27,454
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,908/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,740
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$782/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$31,889
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$1,049/mo
Today · 4.125%
HK$35,297
baseline
▲ 0.50% · 4.625%
HK$37,445
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,594/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,951
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,942
−HK$1,005/mo
Today · 4.125%
HK$38,947
baseline
▲ 0.50% · 4.625%
HK$41,000
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,894/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,770 · 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).