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$19,040
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$602/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$576/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$692/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$843/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$807/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,272
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$1,083/mo
Today · 4.125%
HK$36,421
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$2,217/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,842/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,037/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,119/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,500 · 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).