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$19,184
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$606/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$580/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$728/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,954
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$697/mo
Today · 4.125%
HK$26,995
baseline
▲ 0.50% · 4.625%
HK$28,418
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,990/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$848/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,084/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,879
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$813/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$1,091/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,930
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,045/mo
Today · 4.125%
HK$40,492
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,984/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,398 · 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).