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$18,411
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$581/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,756
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,482
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$558/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$698/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$669/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,577
−HK$815/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$780/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,140
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$1,048/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,003/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,049/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,222 · 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).