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$18,325
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,895
−HK$579/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,659
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,387
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$555/mo
Today · 4.125%
HK$21,488
baseline
▲ 0.50% · 4.625%
HK$22,621
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,976/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,674
−HK$695/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$666/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,145
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,453
−HK$811/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$776/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$1,043/mo
Today · 4.125%
HK$35,054
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,108/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,696
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,680
−HK$998/mo
Today · 4.125%
HK$38,678
baseline
▲ 0.50% · 4.625%
HK$40,717
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,356/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,094 · 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).