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$18,300
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$578/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,358
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$554/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$694/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$665/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$810/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$775/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,964
−HK$1,041/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$37,135
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,645
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$997/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,660
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,758 · 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).