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$18,307
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,876
−HK$579/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$555/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$694/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$665/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$776/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,042/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$998/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,854 · 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).