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$18,965
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$599/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,664
−HK$574/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,758
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$719/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,318
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,997
−HK$689/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,551
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$839/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$804/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$32,775
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$1,079/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$2,207/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,977
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,033/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,512 · 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).