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$19,104
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$604/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$578/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,925
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$725/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$694/mo
Today · 4.125%
HK$26,882
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,764/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$845/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,754
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$810/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,387
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,457
−HK$1,087/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,256
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,282
−HK$1,040/mo
Today · 4.125%
HK$40,322
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,644/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,342 · 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).