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$18,921
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$598/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$573/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$718/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,260
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$688/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,028
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$837/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$802/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$1,076/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,397
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,890
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,031/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,042
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,939 · 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).