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$18,916
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$598/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$573/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$717/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$687/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$837/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$802/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$1,076/mo
Today · 4.125%
HK$36,184
baseline
▲ 0.50% · 4.625%
HK$38,385
+HK$2,201/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,368/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,030/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,030
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,865 · 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).