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$18,303
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$579/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$554/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$694/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,434
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$664/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$810/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,507
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$776/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$1,041/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$2,131/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$998/mo
Today · 4.125%
HK$38,632
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,264/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,802 · 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).