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$18,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$592/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$567/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,161
−HK$710/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$680/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$828/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$794/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,694
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,742
−HK$1,065/mo
Today · 4.125%
HK$35,807
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,614/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,484
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,019/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,592
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,274 · 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).