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$18,350
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$579/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,414
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$556/mo
Today · 4.125%
HK$21,517
baseline
▲ 0.50% · 4.625%
HK$22,651
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,034/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$696/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$666/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,181
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,690
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$812/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,962
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$778/mo
Today · 4.125%
HK$30,124
baseline
▲ 0.50% · 4.625%
HK$31,711
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,248/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$1,044/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$999/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$40,772
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,418 · 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).