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$18,845
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$595/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$570/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$715/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$685/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,397/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,383
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$834/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$798/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,920
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,241
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,736
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,027/mo
Today · 4.125%
HK$39,775
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,097/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,550/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,929 · 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).