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$18,935
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$599/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$574/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$718/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,617
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,956
−HK$688/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$838/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$802/mo
Today · 4.125%
HK$31,085
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,170/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,144
−HK$1,077/mo
Today · 4.125%
HK$36,221
baseline
▲ 0.50% · 4.625%
HK$38,425
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,442/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,918
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,935
−HK$1,031/mo
Today · 4.125%
HK$39,966
baseline
▲ 0.50% · 4.625%
HK$42,073
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,932/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,123 · 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).